Investing with us 

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Important information

Before you invest with us, please ensure you download and read the relevant fund Key Investor Information Document (KIID). This information is required by law to help you understand the nature and risks of investing in a fund. You can find these, and in our Document library or if you wish to receive a printed copy by post, you can request this by getting in touch with our client services team.

Please remember that past performance is not a guide to future results. The value of your investments and any income from them is not guaranteed and may go down as well as up. You may not get back the full amount invested.

Please note that Columbia Threadneedle Investments does not offer investment advice. Speak to your financial adviser to find out whether Columbia Threadneedle Investments has investment solutions that are suitable for you. If you do not have a financial adviser, you can visit www.unbiased.co.uk or www.thepfs.org/yourmoney to find details of one in your area.

Making a new investment

Before you apply to make an investment, please ensure you have read and understood the following in relation to your chosen product(s).

  • the relevant fund(s) Key Investor Information Document (KIID)
  • any Supplementary Information Documents relating to your fund(s) (SID)
  • the relevant fund(s) Target Market information
  • the relevant fund(s) Prospectus
  • Threadneedle terms and conditions

Please ensure you read the terms and conditions before applying, which provides more detailed information on investing with us and governs your relationship with Threadneedle Investment Services Limited regarding your investment, including respective rights and responsibilities.

If you wish to invest with us, you can do so by sending us a completed and signed Application Form.

Please note that certain Threadneedle Funds and/or certain share classes may not be available to all investors (for example, the Threadneedle Stocks and Shares ISA is available only to UK investors) and differing minimum initial investment amounts may apply on different types of shares or units.

Redeeming or switching between Threadneedle funds

You can switch your investment in a Threadneedle Fund for an investment in another Threadneedle Fund, or to another type of share in your current Threadneedle Fund (provided you are eligible to hold that new type of share and that the new Threadneedle Fund is available to you).
We may charge a switching fee on the exchange of shares of one Threadneedle Fund for shares in another Threadneedle Fund. But in any case, the switching fee will not be more than the initial charge for the class of shares into which you are switching your investment. For information about these charges, see the Prospectus for the Threadneedle Fund you wish to switch into.
We do not currently charge for switching shares in one class of Threadneedle Fund for shares in another class of the same Threadneedle Fund. The switching or transfer of shares, being chargeable assets, may constitute a disposal or part disposal for the purposes of UK Capital Gains Tax. If you have any questions about the taxation of your investments, please seek independent tax advice.

Deal instructions for investors wishing to redeem or transfer out of Threadneedle funds can be placed by post, fax or telephone. You will need the following information in order to place a redemption/transfer:

  • your Client reference/Unitholder number (which can be found on any recent correspondence you have received from us)
  • the name of the fund and the amount you wish to sell
  • Settlement details for payment i.e. bank details

Terms and conditions

These Terms and Conditions apply to your investment in any of the following products:
  • Threadneedle Funds
  • Threadneedle Stocks and Shares ISA
  • Threadneedle Junior ISA
They govern your relationship with Threadneedle Investment Services Limited regarding your investment and set out each of our respective rights and responsibilities, as well as the rights and responsibilities of our agents and delegates.
When we accept your application to purchase a Threadneedle Product, these Terms and Conditions, your Application Form and, if you are investing in Threadneedle Funds, the Key Investor Information Document (or, for non–UCITS retail schemes, the non-UCITS Key Investor Information document) and the relevant Prospectus, will together be a binding agreement between you and Threadneedle Investment Services Limited.
This is an important document. Please read it carefully and ensure that you are happy with its contents before applying for Threadneedle Products. Please keep a copy of this document safe so that you can refer to it easily in the future. These Terms and Conditions supersede any earlier versions you may have received from Threadneedle Investment Services Limited previously.

PDF

Terms and conditions

Client verification

The Financial Conduct Authority (FCA) requires us to carry out client verification checks.
In order to process your request as quickly as possible we need to be able to verify you as a client and in the case of a redemption, we require the bank details of where you would like the proceeds to be paid.
The checklist below outlines the documentation we require before we can carry out your request. Please refer to this list before making a transaction with us, or download our checklist

PDF

Transaction checklist

Client verification

Verifying you as a client

In order to verify you as a client, we require two documents from the following list. Please note these must be separate documents:
  • Current signed passport
  • Current signed UK/EEA photo card driving licence (the paper counterpart driving licence is NOT an acceptable document for money laundering purposes)
  • Current full UK driving licence (old version)
  • State pension documentation, benefits book or original notifi cation letter from the Benefits Agency confirming the right to benefits
  • EEA Member state identity card
  • Recent utility bill (not mobile phone bill). Must be dated within the last 3 months
  • Inland Revenue Notifications/letters (Tax Assessment, Notice of Coding or Statement of Account) dated within the last tax year – Not P45 or P60
  • Self-employed registration cards for construction industry (CIS3(partner), CIS4(P), CIS4(T), CIS5, CIS6)
  • Shotgun or Firearm certificate
  • Residence permit issued by the Home Office to EU Nationals
  • Local authority tax bill (valid for current year)
  • Solicitor/Lawyer letter confirming a house purchase or land registry confirmation

Certification of documents

We strongly advise against sending the original versions of valuable personal identity, and as such we are happy to accept copied documents, which have been certified by the following bodies or professionals:

  • Bank or building society clerk
  • Accountant
  • Doctor
  • Local Government official/Councillor
  • Dentist
  • Police officer
  • Teacher or lecturer
  • Solicitor/Barrister
  • Notary public/Public Officer
  • Embassy or Consulate official
  • Directors of Limited companies
  • Justice of the peace
  • MP
  • General/Colonel
  • Post Office Certification Service
  • Client’s agent

Bank details verification

We are able to pay redemption proceeds directly into your bank account. If you wish to have the proceeds paid to your bank account, we will need to have verifi cation of your bank details. Please provide one document from the following list:

  • A voided cheque
  • An original bank statement. Must be dated within the last 3 months
  • A giro or paying in slip for the bank account
  • A letter from your bank confirming the bank details

The documents must relate to the bank account that you wish to have the proceeds paid into, and must be your own bank account. The proceeds will be released four working days after the trade date, providing the verifi cation is in place.

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