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You can find out more about our core, responsible, and income funds, together with important information, on the links below:
Find out more about pensions, tax, and passing on your wealth
Find out more about pensions, tax, and planning for your retirement
This disclosure applies to Handelsbanken Wealth & Asset Management Limited (HWAM) and Handelsbanken ACD Limited (HACD) in the context of the services provided by HACD or HWAM respectively. Each of HACD and HWAM is authorised and regulated by the Financial Conduct Authority (FCA) in the UK.
Who we are
HACD
HACD is the operator and authorised corporate director of the Handelsbanken Multi Asset Funds (MAFs). HACD has delegated day to day discretionary investment management of the MAFs to HWAM under an Investment Management Agreement. This disclosure sets out the processes that HACD follows where appropriate or requires HWAM to follow in executing and transmitting orders for the MAFs.
HWAM
HWAM offers discretionary services (such as fund and private wealth management), financial planning, custody and execution, and self-select services to its clients.
References to “we” or “us” mean, in the context of the MAFs, HWAM acting as HACD’s delegate investment manager under HACD’s oversight; or in the context of other services provided by HWAM, HWAM. In circumstances where HACD itself is required to execute orders, references to “we” or “us”, in the context of the MAFs only, would mean HACD.
For further information, see below under: Does HWAM treat different types of clients differently?
We are required by the rules of the FCA to ensure that we take all sufficient steps to deliver the “best possible result” for you when executing orders you instruct and when we execute discretionary decisions to trade in assets on your behalf. This is referred to as Best Execution.
We are also required to provide you with a summary of the most important features of our approach to obtaining Best Execution which you can find below. More detailed information about our Order Execution Arrangements is available on request. Please contact us should you wish to obtain more detail.
Execution Factors According To Client Type, Service Type and Liquidity
| Client and Service Type | Liquid - execution factors | Illiquid - execution factors |
Funds | Cost and price – both 3 | Likelihood of execution and settlement – 3, price and costs - 2 |
Private Wealth Management: Retail Clients | Cost and Price – both 3 | Likelihood of execution and settlement – 3, price and costs - 2 |
Private Wealth Management: Professional Clients | Cost and Price – both 3 | Likelihood of execution and settlement – 3, price and costs - 2 |
Custody and Execution: Retail Clients | Price - 3, speed - 2 | Likelihood of execution and settlement – 3, price and costs - 2 |
Custody and Execution: Professional Clients | Price - 3, speed - 2 | Likelihood of execution and settlement – 3, price and costs - 2 |
Financial Planning Service: Retail Clients | Speed and price – 3, cost -2 | Likelihood of execution and settlement – 3, price and costs - 2 |
Financial Planning Service: Professional Clients | Speed and price – 3, cost -2 | Likelihood of execution and settlement – 3, price and costs - 2 |
Self-select Clients: Retail Clients | Cost - 3 | N/A |
Estimated reading time: 2 min
Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be high risk.
What are the key risks?
1. You could lose all the money you invest
- If the business offering this investment fails or if the assets held by the investment fail, you are likely to lose 100% of the money you invested.
2. You are unlikely to be protected if something goes wrong
- Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here.
3. You won’t get your money back quickly
- If you decide to withdraw from or reduce your investment, this type of investment does not guarantee the repayment of money owed to you. Repayment may be delayed or not made at all.
4. Don’t put all your eggs in one basket
- Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.
- A good rule of thumb is not to invest more than 10% of your money in high-risk investments. Find out more here.
If you are interested in learning more about how to protect yourself, visit the FCA’s website here.
Wealth planning
A central hub for all of your financial advice needs with a range of services including investment, tax efficient savings, protection insurance, and estate planning. You can choose the level of advice that suits you.
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