Funds

Premier UK Growth Fund

The aim of the fund is to achieve capital growth.

The Premier UK Growth Fund invests in a focussed portfolio of UK company shares which may include larger, medium and smaller sized UK companies.

Many funds sold in the UK are grouped into sectors by the Investment Association (the trade body that represents UK investment managers), to facilitate comparison between funds with broadly similar characteristics. The fund is classified in the IA UK All Companies sector, which we believe is a meaningful comparator to help investors assess the performance of the fund. 

As the fund invests in UK companies, we believe the FTSE All-Share Index, which is made up of many of the companies listed on the London Stock Exchange, is also a meaningful comparator to help investors assess performance.

There is no guarantee that the fund will achieve its objective.

The full investment objective and investment policy for the fund are published in the fund’s Prospectus.

In brief
  • Aims to produce long-term capital growth
  • Mainly invests in UK company shares
  • Actively managed
The Fund might be suitable for investors:
  • who have basic investment markets knowledge or experience of the basic characteristics and risks of funds;
  • who understand that all of their investment is at risk;
  • whose main investment priority is to grow the value of their original investment over time;
  • who can invest for the long-term, which means at least 5 years;
  • who appreciate the potential for attractive returns of investing in company shares but also understand the higher risk that these investments may bring;
  • who understand that there are no guarantees that they will get back the full amount originally invested when they come to sell their investment;
  • who have consulted with an authorised financial adviser.
This Fund might not be suitable for investors:
  • who need to fully protect their investment;
  • who want on-demand full repayment of the amount invested;
  • who have no tolerance for risk;
  • whose main investment priority is to receive a regular income;
  • who are unable to accept the possibility that they may not get back the full amount originally invested when they come to sell their investment;
  • who are looking to invest for less than 5 years;
  • who are looking for guaranteed returns.

The suitability descriptions above are for guidance only. We would always strongly recommend that investors consult with a financial adviser who can help assess risk profiles and the suitability of a fund. We are unable to provide individual investment advice or advise on the suitability of this Fund for individual investors.

Before making an investment commitment, investors should:

Like to know more?

If you are interested in this Fund or would like any further information, please contact us.

Fund managers

Benji Dawes

Co-manager of: Premier UK Growth Fund, Premier Ethical Fund

Jon Hudson

Co-manager of: Premier UK Growth Fund, Premier Ethical Fund

Markets in Financial Instruments Directive (MiFID II)

As part of the MiFID II legislation (effective 3 January 2018), Premier is required to assess and define the target market for each if its investment products, which means defining the types of investors whom Premier believe the investment product might be suitable for. But please note, Premier strongly recommends that potential investors and existing investors consult with a qualified financial adviser to help assess if our investment products are suitable to meet your personal circumstances and requirements.

The target market assessment document for each fund covers: the type of client the product is targeted at; expected knowledge and experience; expected financial situation, with a focus on the ability to bear losses; expected risk tolerance and compatibility of the risk and reward profile of the product with the target market; expected clients’ objectives; expected clients’ needs; and the different ways Premier believes it is reasonable to distribute the product, for example, through investment advice from a qualified person.

General risks

All types of investment carry a degree of risk and it is important that you understand and are comfortable with the level of risk to which your capital could be exposed. We recommend that you consult with a financial adviser if unsure in any way.

There is the potential for loss of your original investment. The amount of investment risk will depend on the fund’s risk profile. We would typically expect investments that are perceived as lower risk to offer less potential for loss but with potentially lower returns, whereas we would expect higher risk investments to generate higher returns albeit with the extra risk of potential loss over the long-term. However, there are no guarantees as to how an investment will perform in the future.

Inflation could erode the relative value of your investment.

There is a risk that financial markets will fall, affecting the value of your investment.

There is no guarantee that the investment objective of the fund will be achieved.

Past performance of a fund is not a guide to future returns. The price of shares and any income from them can go down as well as up and there is the possibility of a loss to your original investment.

The levels of taxation and of relief from taxation will depend upon individual circumstances.

There may be a variation in the performance between funds with similar objectives due to the different assets selected.

Performance of a fund will be affected by the fund manager’s investment decisions.

If you withdraw part of your investment to supplement the income paid out to you, there is an increased risk that the residual amount of your investment will be less than your original investment when you decide to sell.


Other investment risks

The fund may invest directly into, or be exposed to via its underlying investments, a variety of assets which carry specific risks which could impact the returns from your fund. The main risks are summarised here, with further detail available in the fund’s prospectus.

Equities: As an asset class, equities can experience high levels of fluctuation in prices.

Geographic concentration: Funds that have a strong focus on a particular country or region, can carry a higher risk than funds with a more diversified portfolio.

Inflation: Higher inflation can negatively impact investment markets, in particular, fixed interest securities such as government bonds and corporate bonds.

Interest rate: Unexpected movements in interest rates will affect all types of assets, in particular, fixed interest securities such as government bonds and corporate bonds. If interest rates go up, the value of the bond may fall, and vice versa.

Legal/tax: Arising from a change in legal/tax regulations or the application of them.

Liquidity: During difficult market conditions, securities may become more difficult to sell and buy at a desired price.

Operational: Processes, systems and controls can fail. This is more likely to happen with more complex products or investments in overseas markets, such as emerging market countries, which may not have the same level of safekeeping, infrastructure or controls as more developed markets.

Smaller companies: Investment in smaller companies is typically higher risk than investment in larger companies.

Details about the various charges that will apply to your investment, what these charges are for and the potential impact on your investment.

PLEASE REMEMBER, THE PRICE AND PERFORMANCE FOR ALL PREMIER FUNDS IS SHOWN AFTER ALL FUND CHARGES.

It is important you know what costs and charges you could pay when you invest in a Premier fund, either through one of our open-ended investment companies (OEICs) or our unit trust. We explain these costs and charges in our Premier OEIC and unit trust charges document. This document shows the charges associated with investing, including a breakdown of these charges, covering the following:

  • Ongoing charges figure: which include the recurring charges such as the annual management charge paid to Premier and and other fund operational costs, including fees paid to the depositary, custodian and auditors.
  • Transaction costs: which are incurred when we buy and sell underlying investments within a fund. Transaction costs are variable, as they will depend on the level and types of transactions in each fund and are calculated according to the relevant regulations. Some of the transaction costs are explicit (leaving no room for confusion or doubt), such as the tax of 0.5% paid to the UK government on the transaction to buy shares in a company incorporated in the UK, or charges paid to firms for arranging the buying or selling of underlying investments, even if a transaction is done digitally. Some of the transaction costs are implicit, for example the cost impact to the fund of the difference in price for buying or selling an underlying investment between the time the order was initially placed and the time the order was executed. Some share prices will move every fraction of a second.

Please note: You should be careful when comparing costs from different investment firms. Different firms may use different methodologies for calculating ongoing charges figures and transaction costs; it is very important to make sure it is clear which firms are including transaction costs for underlying funds for a fair like-for-like comparison. If you need help in deciding which is the right investment product for you, we strongly recommend you speak with a financial adviser. The price and performance for all Premier funds is shown after all fund charges.

European MiFID Template (EMT)
European PRIIPs Template (EPT)
Download

The document in the download link above contains data (“Data”) which has been prepared for you by us to enable you to comply with your PRIIPs (“Regulatory”) regulatory reporting obligations. The Data is in EPT format. The Data was sourced from both proprietary and non-proprietary sources which we may not have verified or audited independently and as such you use the Data at your own risk. We therefore do not guarantee the accuracy of the Data or its applicability for your Regulatory obligations. The Data contains information available to us on the date identified on the attachment. Issued by Premier Asset Management. Premier Fund Managers Limited (registered no. 02274227) and Premier Portfolio Managers Limited (registered no. 01235867) are authorised and regulated by the Financial Conduct Authority. Registered address: Eastgate Court, High Street, Guildford, GU1 3DE. Premier Asset Management is the marketing name used for the two companies.

UK Workplace Pensions Template (DCPT)
Download

The document in the download link above contains data (“Data”) which has been prepared for you by us under the FCA COBs 19.8 (“Regulatory”) regulatory obligations to enable you to comply with your own regulatory reporting obligations. The Data is in DCPT format. The Data was sourced from both proprietary and non-proprietary sources which we may not have verified or audited independently and as such you use the Data at your own risk. We therefore do not guarantee the accuracy of the Data or its applicability for your Regulatory obligations. The Data contains information available to us on the date identified on the attachment. Issued by Premier Asset Management. Premier Fund Managers Limited (registered no. 02274227) and Premier Portfolio Managers Limited (registered no. 01235867) are authorised and regulated by the Financial Conduct Authority. Registered address: Eastgate Court, High Street, Guildford, GU1 3DE. Premier Asset Management is the marketing name used for the two companies.

Supplementary Information Document (SID)

31 March 2019 – 30 June 2019

Performance

The fund returned 3.3% over the three months to 30.06.2019, underperforming the IA UK All Companies sector and on par with the FTSE All-Share Index.

Given the fund’s overweight exposure to small and mid-sized UK companies, which underperformed large-sized UK companies over the period, this outcome was pleasing. We remain encouraged by the underlying operational performance of the companies held.

The fund returned 43.4% over the last five years to 30.06.2019 compared to the IA UK All Companies sector return of 34.2% and the FTSE All Share Index return of 35.8%.

The table below shows the discrete annual performance of the fund compared to its comparator benchmark.

 

30.06.2018-

30.06.2019

30.06.2017-30.06.2018

30.06.2016-30.06.2017

30.06.2015-

30.06.2016

30.06.2014-30.06.2015

Premier UK Growth Fund    

-1.2%

13.4%

25.0%

-8.5%

11.8%%

IA UK All Companies sector

-2.2%

9.1%

22.5%

-4.1%

7.0%

FTSE All Share Index

0.6%

9.0%

18.1%

2.2%

2.6%

Many funds in the UK are grouped into sectors by the Investment Association (trade body that represents UK investment managers), to facilitate comparison between fund with broadly similar characteristics. The Fund is classified in the IA UK All Companies sector, which we believe is a meaningful comparator to help investors assess the performance of the Fund. 

As the fund invests in UK companies, we believe that the FTSE All Share Index, which is made up of many of the companies listed on the London Stock Exchange, is also a meaningful comparator to help investors assess performance.

Market review

Due to the weakness in pound sterling, driven by fears of a no-deal Brexit, the multinational dominated FTSE 100 Index outperformed the FTSE 250 Index and FTSE Small Cap Index. Global equity markets continued to push higher despite mixed economic data, largely due to more dovish rhetoric from the central banks around the world. We still believe equities offer a more attractive risk-reward proposition, especially as 40% of global debt now yields less than 1%.

Portfolio activity

BCA Marketplace, the UK’s largest operator of physical and digital auctions of used cars, received a takeover bid from Private Equity firm TDR. The approach valued BCA at £1.9 billion, which was a premium of 25% to the previous close.

There was limited other portfolio activity over the period, although we did take profits in stocks such as B&M European Value Retail, Spirent Communications and Simplybiz.

We added new positions such as CVS Group, the largest integrated veterinary service provider in the UK, which had fallen to a lowly valuation following warnings regarding the availability of vets. This has now appears to be resolved. Hikma Pharmaceuticals, a multinational pharmaceutical company that manufactures non-branded generic and in-licenced pharmaceutical products, was also added.

Outlook

Risks to the global economy remain high, with further tit for tat tariffs between the US and China weighing on PMIs and softening the outlook for global trade and therefore industrial companies. The Premier Ethical Fund has very little exposure to companies within the industrial sector.

Whilst a small share of the Fund is invested in a handful of cyclical companies that we think offer attractive risk reward characteristics, our philosophy remains focused on investing in quality companies that we believe can grow regardless of the economic cycle.

In the UK, despite the prevailing pessimism, there are some reasons for optimism. The labour market remains strong, with unemployment at record lows and wage inflation running higher than inflation, meaning household disposable incomes are rising. Recent strong mortgage approval data is also supportive of a resilient housing market.

Stock market investors are currently shunning UK assets at a time when foreign investors are taking advantage of the weakness in sterling. There have been bids for a growing number of listed companies recently, from media company Entertainment One to London focused property developer Telford Homes.

Source: Premier Fund Managers Limited, September 2019. The information provided and opinions expressed are those of the investment manager and can change. This information should not be interpreted as investment advice. Reference to a particular fund or investment should not be taken as an investment recommendation.

Performance data taken from FE Analytics, quoted on a total return (income reinvested), bid to bid, UK sterling basis, class C shares, to 30.06.2019. Past performance is not a guide to future returns.

FTSE International Limited (“FTSE”) © FTSE 2019. “FTSE®” is a trademark of the London Stock Exchange Group companies and is used by FTSE International Limited under license. All rights in the FTSE indicies and/or FTSE ratings vest in FTSE and/or its licensors. Neither FTSE nor its licensors accept any liability for any errors or omissions in the FTSE indices and/or FTSE ratings or underlying data. No further distribution of FTSE Data is permitted without FTSE’s express written consent.

03091916020

Dividend history

or

Premier UK Growth Fund | A income

To calculate your dividend payment for the fund you are invested in, you need to multiply the number of shares that you owned immediately prior to the fund’s ex-dividend date, by the dividend rate per share. For example, if you owned 100,000 shares in a fund and the dividend per share as at the ex-dividend date was 5p per share, the dividend payment would be worth £5,000 (100,000 x 0.05).

The tables below show the fund’s dividend payments (pence per share) at each payment date and the total dividend per share over the fund’s financial year, for each available share class and type e.g. class A accumulation and income shares, class B accumulation and income shares and class C accumulation and income shares, where these are available.

Summary

Fund financial year Total dividend per share
2019 0.3515p
2018 2.6467p
2017 5.2758p
2016 3.5855p
2015 2.6017p
2014 2.2013p
2013 1.7077p
2012 2.4295p
2011 1.6757p
Fund financial year 2019

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2019 26 April 2019 0.3515p 0.3515p
1 September 2019 31 October 2019
Fund financial year 2018

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2018 27 April 2018 0.4634p 0.4634p
3 September 2018 26 October 2018 2.1833p 2.6467p
Fund financial year 2017

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2017 28 April 2017 2.2609p 2.2609p
1 September 2017 27 October 2017 3.0149p 5.2758p
Fund financial year 2016

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2016 28 April 2016 0.9301p 0.9301p
1 September 2016 28 October 2016 2.6554p 3.5855p
Fund financial year 2015

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
2 March 2015 28 April 2015 0.7357p 0.7357p
1 September 2015 28 October 2015 1.8660p 2.6017p
Fund financial year 2014

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
3 March 2014 28 April 2014 0.6271p 0.6271p
1 September 2014 28 October 2014 1.5742p 2.2013p
Fund financial year 2013

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2013 30 April 2013 0.4977p 0.4977p
2 September 2013 31 October 2013 1.2100p 1.7077p
Fund financial year 2012

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2012 30 April 2012 0.7714p 0.7714p
3 September 2012 31 October 2012 1.6581p 2.4295p
Fund financial year 2011

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2011 28 April 2011 0.1012p 0.1012p
1 September 2011 31 October 2011 1.5745p 1.6757p
Premier UK Growth Fund | B income

To calculate your dividend payment for the fund you are invested in, you need to multiply the number of shares that you owned immediately prior to the fund’s ex-dividend date, by the dividend rate per share. For example, if you owned 100,000 shares in a fund and the dividend per share as at the ex-dividend date was 5p per share, the dividend payment would be worth £5,000 (100,000 x 0.05).

The tables below show the fund’s dividend payments (pence per share) at each payment date and the total dividend per share over the fund’s financial year, for each available share class and type e.g. class A accumulation and income shares, class B accumulation and income shares and class C accumulation and income shares, where these are available.

Summary

Fund financial year Total dividend per share
2019 0.8774p
2018 3.7339p
2017 6.2933p
2016 4.5221p
2015 3.5373p
2014 3.0577p
2013 2.4381p
2012 3.0922p
2011 2.3824p
Fund financial year 2019

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2019 26 April 2019 0.8774p 0.8774p
1 September 2019 31 October 2019
Fund financial year 2018

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2018 27 April 2018 0.9861p 0.9861p
3 September 2018 26 October 2018 2.7478p 3.7339p
Fund financial year 2017

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2017 28 April 2017 2.7470p 2.7470p
1 September 2017 27 October 2017 3.5463p 6.2933p
Fund financial year 2016

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2016 28 April 2016 1.3981p 1.3981p
1 September 2016 28 October 2016 3.1240p 4.5221p
Fund financial year 2015

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
2 March 2015 28 April 2015 1.1745p 1.1745p
1 September 2015 28 October 2015 2.3628p 3.5373p
Fund financial year 2014

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
3 March 2014 28 April 2014 1.0382p 1.0382p
1 September 2014 28 October 2014 2.0195p 3.0577p
Fund financial year 2013

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2013 30 April 2013 0.8443p 0.8443p
2 September 2013 31 October 2013 1.5938p 2.4381p
Fund financial year 2012

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2012 30 April 2012 1.1012p 1.1012p
3 September 2012 31 October 2012 1.9910p 3.0922p
Fund financial year 2011

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2011 28 April 2011 0.4610p 0.4610p
1 September 2011 31 October 2011 1.9214p 2.3824p
Premier UK Growth Fund | C income

To calculate your dividend payment for the fund you are invested in, you need to multiply the number of shares that you owned immediately prior to the fund’s ex-dividend date, by the dividend rate per share. For example, if you owned 100,000 shares in a fund and the dividend per share as at the ex-dividend date was 5p per share, the dividend payment would be worth £5,000 (100,000 x 0.05).

The tables below show the fund’s dividend payments (pence per share) at each payment date and the total dividend per share over the fund’s financial year, for each available share class and type e.g. class A accumulation and income shares, class B accumulation and income shares and class C accumulation and income shares, where these are available.

Summary

Fund financial year Total dividend per share
2019 1.1349p
2018 4.2524p
2017 6.7638p
2016 4.9624p
2015 3.9706p
2014 3.4813p
2013 2.7812p
2012 3.3744p
2011 3.5499p
Fund financial year 2019

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2019 26 April 2019 1.1349p 1.1349p
1 September 2019 31 October 2019
Fund financial year 2018

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2018 27 April 2018 1.2405p 1.2405p
3 September 2018 26 October 2018 3.0119p 4.2524p
Fund financial year 2017

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2017 28 April 2017 2.9709p 2.9709p
1 September 2017 27 October 2017 3.7929p 6.7638p
Fund financial year 2016

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2016 28 April 2016 1.6232p 1.6232p
1 September 2016 28 October 2016 3.3392p 4.9624p
Fund financial year 2015

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
2 March 2015 28 April 2015 1.3868p 1.3868p
1 September 2015 28 October 2015 2.5838p 3.9706p
Fund financial year 2014

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
3 March 2014 28 April 2014 1.2390p 1.2390p
1 September 2014 28 October 2014 2.2423p 3.4813p
Fund financial year 2013

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2013 30 April 2013 1.0064p 1.0064p
2 September 2013 31 October 2013 1.7748p 2.7812p
Fund financial year 2012

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2012 30 April 2012 1.2311p 1.2311p
3 September 2012 31 October 2012 2.1433p 3.3744p
Fund financial year 2011

Ex-dividend date Payment date Dividend per share Financial year total dividend per share
1 March 2011 28 April 2011 1.4776p 1.4776p
1 September 2011 31 October 2011 2.0723p 3.5499p
Ex-dividend date Payment date
1st September, 1st March On or before 31st October, 30th April,

In each fund financial year, from 1st September to 31st August, the last ex dividend date is 1st September and the last dividend payment date is 31st October

The fund’s primary objective is long term capital growth and the fund’s aim does not include income. However, dividends may be generated by some of the fund’s holdings and these dividends are expected to be paid to shareholders by 31st October and 30th April. As the primary objective of the fund is capital growth, the ongoing charge for the fund is taken from income rather than capital. This will reduce the amount of dividends paid.

Holders of income shares are entitled to be paid any income on the relevant payment dates. In the case of holders of accumulation shares, income is not distributed but instead retained for the benefit of shareholders in that share class and is reflected in the share price.

For income shares, the dividend will normally be paid to a nominated account. If investing directly with Premier, the dividend payment will be paid direct to the nominated bank or building society account or paid out as a cheque if we don’t have account details. Cheques are typically despatched the day before the dividend pay date. If not investing directly with Premier, for example through an investment platform, shareholders will need to check how and when the dividends will be paid.

If investing directly with Premier, confirmation of dividends paid will be notified via tax vouchers (unless invested via an ISA where you will be notified via the semi-annual statements) that will be posted out the day before the dividend pay date. Dividend payments will also be summarised on semi-annual statements. If not investing direct with Premier, investors will need to check with their provider as to their methods of notification.

Tax

For UK residents and other individuals subject to UK income tax, no income tax is payable in respect of the first £5,000 of dividend income that you receive from all sources in the tax year (although such income would still count towards the basic, higher and additional rate thresholds). For dividends received above £5,000 in a tax year, the dividend income would be taxable at 7.5%, 32.5% and 38.1% for basic rate, higher rate and additional rate tax payers respectively.

If you are resident in jurisdictions other than the UK for tax purposes, you will generally not be charged UK income tax on a dividend distribution unless you are carrying on a trade in the UK through a permanent establishment. Your tax position is likely to depend on the law and practice on taxation in the jurisdiction in which you are resident. Each investor will be sent a tax voucher notifying them of the amount of the distribution paid to them and of any tax deducted.

Further information about the taxation of dividend distributions is available in the fund’s prospectus document. The information provided is based on our understanding and interpretation of current tax rules which are subject to change. Premier Asset Management is unable to provide investment or tax advice and we would advise that you seek appropriate professional advice on your individual tax position.

Key terms

Dividend distributions: income that is paid out by funds that invest mainly in equities (company shares). Dividends received on those company shares are the profits paid to investors as cash or shares and are usually paid once or twice a year.

Payment date: the date that the dividend payment will normally be made. This is the date that dividend cheques are posted or dividends paid by bank mandate are credited to shareholders’ bank accounts (or potentially other accounts if investment has been made through a platform).

Ex-dividend date: the date that dividends are announced and allocated. The registered holder of shares immediately prior to the ex-dividend date will be entitled to the dividend for that shareholding.

Income equalisation: income equalisation is applied to each of the funds. A proportion of each fund’s share price reflects the amount of income accrued for distribution within the current accounting period (whether annual or interim). For a shareholder’s first distribution following a purchase of shares, the payment to them will contain a representation of that income purchased which is classed as a return of capital. The rate of equalisation paid out is calculated by dividing the aggregate of the amounts of income included in the price of shares purchased by all shareholders in that accounting period by the number of those shares. This will be shown on the dividend voucher for the period(s) when you buy shares.

 

Risk and other important information

When you invest, your money is at risk because the value of investments, and any income from them, can go down as well as up and you could get back less than you invested. The past performance of an investment is not a guide to how it will perform in the future. Because there are many different types of investment risk and investors have different attitudes to risk, we are not able to categorise our investments as having a specific level of risk. We would therefore strongly recommend that if you do not have professional experience in matters relating to investments, you should speak with a financial adviser before making an investment decision.

Premier Asset Management is not authorised to provide investment advice or tax advice. Before making an investment decision, it is also important that you read the key documentation for that investment which is available in the literature section of the website, by contacting a financial adviser or by getting in touch with us directly. See ‘Contact us’ for more information or if you are unsure. You can find more details about the specific risks and literature that are relevant to each type of investment on the individual fund, portfolio or investment trust website pages.

THE PREMIER MULTI-ASSET RANGE: INCOME, GROWTH, CONSERVATIVE GROWTH AND BALANCED SOLUTIONS.