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Terms & Conditions of use

The investments, pensions and life assurance arrangements referred to and available on this website may not be suitable for all investors. Sterling Financial Services offer a variety of services and we are available to provide full financial planning advice and recommendations if required. Nothing on this website should be construed as investment, tax or general financial advice. Potential investors are reminded that they should consider independent financial advice before entering into a life assurance, investment or pension arrangement. It is not intended that anything stated in this website should be construed as an offer or invitation to treat or inducement for you to engage in any investment activity. The information on this website relating to investments, pensions and life assurance is directed at United Kingdom residents only.

For online transactions, Sterling Financial Services will act purely on your full and complete instructions. You will determine the appropriateness of the transaction/s and Sterling will not provide a suitability letter.

The value of an investment may go down as well as up and an investor may not get back the full amount invested. Please note that past performance is no guide to future performance. An investment into funds or via the SIPP arrangement may only be made on the basis of the information set out in the terms and conditions provided by Standard Life Savings Limited. Any material available is directed only at persons in the UK and is not an offer or invitation to buy or sell shares. Opinions expressed on this website represent the views of Sterling Financial Services Limited at the time of publication, these are subject to change, and should not be interpreted as investment advice.

Sterling Financial Services Limited is authorised and regulated in the UK by the Financial Services Authority with a Firm Reference Number of 413915. Details of our registration can be checked on the FSA's website at www.fsa.gov.uk. The address of the FSA is 25 The North Colonnade, Canary Wharf, London E14 5HS. Registered office: 8 Angel Court London EC2R 7HP. Registered in England & Wales under No. 4047196.

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featured article
VAT to increase in the New Year
Late last year, the standard rate of Value Added Tax (VAT) was temporarily cut from 17.5% to 15% in an attempt to support Britain's flagging economy
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ask the expert

Latest news & opinion on the worldwide markets

15 December 2009
The Importantance of regular savings
In the world of investment, timing is everything. But, despite claims to the contrary, no one can predict what the market will do and when. This makes it difficult to decide, not only when to invest, but also when to pull out.
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11 December 2009
Can US Equities continue to rally
US equity markets recorded strong gains in November although share prices wobbled during the month amid concerns that economic recovery is likely to be bumpy. The S&P 500 index rose by 5.7% during the month.
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11 December 2009
Is there still growth potential for UK Equities
UK share prices reached a 14-month high during November, but investor sentiment was knocked towards the end of the month by the news of Dubai's effort to delay its debt payments.
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9 December 2009
Can UK Equities funds provide a suitable income
Scanning the predictions for next year, plenty of fund managers are forecasting the market will revisit high-yielding stocks in 2010. The theory goes that with the "relief rally" now over, earnings have to catch up with expectations.
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8 December 2009
What Is a ISA
ISA stands for Individual Savings Account, a tax-efficient wrapper offered under Government legislation as a way of encouraging you to save. An ISA sits over your choice of a number of different investments to shelter them from further tax on any income or gains earned.
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the reviews

A Selection of the Best Investment Funds & Unit Trusts

23 November 2009
SWIP Property Trust
The SWIP Property Trust aims to provide investors with a total return by investing in a balanced portfolio of commercial property. Following the recent correction in the property market, it is apparent that income will be the major contributor to fund returns over the next few years.
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23 October 2009
Ignis Argonaut European Alpha
The Ignis Argonaut European Alpha fund, invests in a concentrate portfolio of approximately 30-55 (maximum 60) equities from the European markets. This is one of the best investment funds, to capture growth in the european market.
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23 October 2009
Gartmore MultiManager Absolute Return Fund
The Gartmore MultiManager Absolute Return Fund aims to deliver a positive absolute return over the long term, regardless of market conditions.
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23 October 2009
First State Global Opportunities
First State Investments is a specialist asset management business, which is focused on developing and managing innovative investment products.
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18 September 2009
GLG Total Return Bond
GLG Partners has established itself as one of the largest independent asset managers in the world.The company offers a diverse range of investment products, with the aim of achieving superior returns using a variety of Asset classes and alterative investments.
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