Your investment

From the 1st July 2018, we're updating what you need to do when you make a change to your RLUM Ltd Stocks and Shares ISA/ Unit Trust. These include topping up, increasing your regular contributions or switching the funds you're investing in. We now require confirmation that you've read the relevant Key Investor Information Document (KIID) before we can proceed with your instruction.

We also recommend that you read the Supplementary Information Document (SID) which contains our Terms & Conditions and the Costs & Charges Disclosure Documents (CCDD). All these documents, including guidance and application forms are available by following the 'Find out more' link below where you'll also find further instructions on how to make a change to your investment.

You can view the KIIDs, SID and CCDD directly under 'Important information'.

Costs & Charges Disclosure Breakdown

We have included a Costs and Charges Breakdown Disclosure report with this half-yearly statement and will continue to provide it with each half-yearly statement. The disclosure report is for information purposes only and sets out the costs and charges that have been incurred during the 12 month period detailed in the report in respect of your investment(s). You do not need to take any action – costs and charges have always been applied to your investment and, as a result of a change in regulation, we are now required to report these costs and charges to you at least annually. For further information see our Questions & Answers sheet here.

Initial Charges

In October 2018 we announced that we will no longer be applying an initial charge to any contribution paid on or after the 1st March 2019. If you have made a contribution on or after this date, you may have noted that your statement still refers to an initial charge. Unfortunately, as the change to the initial charge happened during the middle of a statement period we are not able to show the 2 different initial charges on your statement. However, we can assure you that no initial charges have been applied on any investments made on or after 1 March 2019. Any future statement will show that no initial charge has been applied to any contribution made during the statement period.

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