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www.addingvalue4u.com Ltd provides recommendations to a wide range of stock market related assets such as unit trusts, investment trusts and equities. Such investments always involve risk and these risks are described below. Unlike a bank or building society deposit, the value of your investments can fall as well as rise, so you may not get back the amount you invest. Income can fluctuate, both in monetary value and in percentage terms. The price you pay includes initial and annual costs which will have an effect on the value of your investments. Initial costs, in particular, will have an immediate effect so you should always regard your investments as for the long term (normally at least five years). www.addingvalue4u.com Ltd specialises in reducing the costs imposed on client’s capital and income. Past performance is not a guide to future returns. The value of any tax benefits that are available will depend upon your personal circumstances. Tax legislation can change at any time. Some types of investment also have different specific risks. These include: Investing overseas involves the purchase of assets priced in currencies other than sterling. This means that changes in exchange rates, as well as asset price changes, will affect the value of such investments. Investing in “emerging” or “developing” markets has the potential for higher returns but is also likely to be more volatile and higher risk. This is largely due to the fact that these markets are more susceptible to significant cultural, political or economic change. Investing in “Socially Responsible Investments” or ethical funds could lead to a potentially lower rate of investment return due to the underlying structure and composition of these types of funds, which by their nature are restricted in their asset allocation and stock selection. Some income funds charge all or part of their expenses to capital rather than income. Whilst this enables them to pay a higher dividend, it does correspondingly reduce their potential for capital growth. Smaller company investments may be less liquid than those for larger companies and price fluctuations may therefore be greater.

www.addingvalue4u.com Ltd is registered in England and Wales Registration Number 05672754.