Existing customers

For customers not receiving advice
If you’re an existing ‘advised’ customer (you’ve agreed to pay adviser charges on your investment), please note that the literature on this page and the online buy process is for ‘non-advised’ customers. If you apply using the literature on this page you’ll set up a separate ‘non-advised’ IPS account. To add to your existing advised investment or for further information please contact your financial adviser or our customer services.

Our website doesn't provide advice or personal recommendations. We haven't assessed whether this product is suitable for you. This means that you don't have the protection you would have received if we had done this. It’s up to you to decide if an investment with us is suitable for your needs. If you're unsure, you can contact  a financial adviser who can advise you.

Important information
The value of an investment and any income you take from it can fall as well as rise and you may get back less than you invest. Although there is no fixed term, you should be prepared to hold this investment for five years or longer, and ideally not tie yourself to a fixed end date.
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BUY INTO A NEW FUND.

Our Funds A-Z gives you information on the funds available from IPS. You can also access  Key Investor Information Documents (KIIDs) so that you can make an informed decision before you invest in a new fund.

Please ensure you have read the information below before proceeding:

About investing

About the funds

Once you have read all of the documents above you can buy using one of the following options:

BUY ONLINE

Using our secure online service is the easiest and quickest way to add to an existing fund, giving you reassurance by letting you see where your money is and how it is doing. If you're already registered for the online account simply log in, otherwise you can register in a few simple steps.

Alternatively, you can apply by post by downloading a Transaction form self directed LGFS/LGN (PDF: 290KB)  Once you've filled in the correct sections as indicated on the form, simply send it back to us at the address on the form.

ADD TO AN EXISTING FUND.

Topping up investments in your existing funds can help to make reaching your financial goals a little easier. You should read the Key Investor Information Documents (KIIDs) for the fund(s) you want to add to before you top up, which you can find in our Funds A-Z .

Please ensure you have read the information below before proceeding:

About investing

About the funds

Once you have read all of the documents above you can top up using one of the following options:

TOP UP A FUND ON THE IPS FUND PANEL

You you can top up online or by downloading a Transaction form self directed LGFS/LGN (PDF: 290KB)  .

TOP UP A FUND THAT'S NO LONGER ON THE IPS FUND PANEL

If you want to top up a fund that is no longer on the IPS Fund Panel, you'll need to apply by post by downloading a Transaction form self directed LGFS/LGN (PDF: 290KB)  Once you've filled in the correct sections as indicated on the form, simply send it back to us at the address on the form.

SET UP A REGULAR PAYMENT.

It doesn't have to be all or nothing when saving to meet your financial goals. Setting up a regular monthly investment from as little as £20 can help to make it simple and affordable to invest.

Please ensure you've read the information below before proceeding:

About investing

About the funds

If you're setting up a new regular payment, simply download a Transaction form self directed LGFS/LGN (PDF: 290KB)  Once you've filled in the correct sections as indicated on the form, simply send it back to us at the address on the form. 

AMEND AN EXISTING REGULAR PAYMENT.

Please ensure you've read the information below before proceeding:

About investing

About the funds

AMEND A REGULAR PAYMENT

Amending an existing regular payment online is the easiest way to manage your monthly payments. If you're already registered for the online account simply log in, otherwise you can register in a few simple steps.

Alternatively, you can amend your payments by post by downloading a Transaction form self directed LGFS/LGN (PDF: 290KB)  Once you've filled in the correct sections as indicated on the form simply send it back to us at the address on the form.

WITHDRAW MONEY FROM AN EXISTING INVESTMENT.

If you would like to withdraw money from an existing investment you hold with IPS, please ensure you have read the following documents before proceeding:

Investing with IPS (Q37199) (PDF: 545KB)  

IPS non-advised Terms and Conditions (PDF: 332KB)  

Once you have read the documents above you can sell using one of the following options:

SELL ONLINE

Selling online is the easiest way to withdraw money from existing funds using our safe and secure online service. If you're already registered simply log in, alternatively, register in a few simple steps. 

SELL BY POST

Alternatively, you can withdraw money by post by downloading an IPS Unit trust OEIC and ISA withdrawal form (Q40619) (PDF: 642KB)   . Once you've filled in the correct sections as indicated on the form, simply send it back to us at the address on the form.

MOVE FUNDS FROM AN INVESTMENT FUND TO AN ISA.

Stocks and shares ISAs offer tax efficient saving, which means you have no personal liability to any income or capital gains tax on any income or growth you receive from your ISA. You may wish to move part of your investment from a unit trust or OEIC into a stocks and shares ISA to benefit from tax-efficient saving.

The tax efficiency of ISAs is based on current tax law and may not be maintained in future. The tax treatment depends on your individual circumstances.

Please note that your investment will be out of the market for three days when you move money from a unit trust or OEIC into an ISA. As the prices are likely to change, you are likely to end up with a different number of units/shares - you may end up with fewer or more units in the ISA than you held in the unit trust or OEIC.

Before you complete the application form below, please ensure you've read the following documents:

About investing

Information on the Portfolio Investments page

Investing with IPS (Q37199) (PDF: 545KB)  

IPS non-advised Terms and Conditions (PDF: 332KB)  

About the funds

Portfolio Investments Important Fund Information (PDF: 272KB)  

The Key Investor Information Document (KIID) for the fund you wish to invest in.

Please note, you can't instruct the switch online. Once you have read all of the documents listed above, simply download an Investment fund to ISA switch form (PDF: 174KB)  . Once you've filled in the correct sections as indicated on the form, simply send it back to us at the address on the form.

CHANGE YOUR DIRECT DEBIT INFORMATION.
If you need to change information relating to an existing Direct Debit, including changing the bank account on an existing Direct Debit, please contact our UK-based Customer Service Team .
CHANGE TO HAVE INCOME PAID TO YOU.

Some funds are made up of ‘Income units’ (this appears as ‘INC’ after the fund name), which means income from those units can be paid into your IPS Cash Account. You can choose to have that income paid monthly to your Nominated Bank Account.

Please note that if you tell us to pay income from any one INC fund, any income from all INC funds you hold will be paid into your cash account as this instruction to us applies to your whole account. The  Portfolio Investments Important Fund Information (PDF: 272KB)   document tells you what types of units a fund offers.

CHANGE TO START RECEIVING INCOME FROM INC UNITS THAT CURRENTLY REINVEST

If you hold INC units that are currently reinvesting the income you receive, you can choose to have the income paid to your Nominated Bank Account.

By post: Download a Transaction form self directed LGFS/LGN (PDF: 290KB)    Once you've filled in the correct sections as indicated on the form, simply send it back to us at the address on the form.

By phone: Alternatively, call us on 0345 272 0089 and we can make this change for you over the phone. Please note, our Customer Service Team can’t give you advice on your investments. Lines are open Monday to Friday 9.00am to 5.30pm. Calls may be recorded and monitored. Call charges will vary.

CHANGE FROM ACCUMULATION UNITS TO INCOME UNITS TO PAY OUT INCOME

Some funds have what are known as ‘Accumulation units’ (this appears as ‘ACC’ in the fund name), which means that any income is reinvested to buy additional units. If the fund also offers  income (INC) units, you can change from ACC to INC units by telling us to change the unit or share type. The  Portfolio Investments Important Fund Information (PDF: 272KB)   document tells you what types of units a fund offers.

You can change the unit type by downloading a Transaction form self directed LGFS/LGN (PDF: 290KB)   Once you've filled in the correct sections as indicated on the form, simply send it back to us at the address on the form.

CHANGE FROM RECEIVING INCOME TO HAVING IT REINVESTED.
CHANGE INCOME UNITS TO ACCUMULATION UNITS RATHER THAN HAVING IT PAID TO YOU

 If you hold Income (INC) units, and Accumulation (ACC) units are also available to you in that fund, you can change from INC to ACC units by telling us to change the unit or share type. Any income will be reinvested into the fund. The  Portfolio Investments Important Fund Information (PDF: 272KB)   document tells you what types of units a fund offers.

You can change the unit type by downloading a Transaction form self directed LGFS/LGN (PDF: 290KB)   Once you've filled in the correct sections as indicated on the form, simply send it back to us at the address on the form.

REINVEST INCOME ON INC UNITS YOU HOLD

Some funds will not have ACC units available to you; however, you can still reinvest any income. You’ll need to change the investments to the unbundled version of the fund in order to do so, as we no longer accept changes to bundled funds. Any income you receive will be reinvested as extra units in the fund.

Follow the process detailed in the ‘Change unit or share type’ section on this page to convert the fund. Make sure you select ‘Reinvest into the fund’ in the income option section.
TRANSFER INVESTMENT FUNDS FROM ONE PERSON TO ANOTHER.

You can move investments from the name of one person to another, which is known as a ‘stock transfer'.

Please note, you will lose the tax efficient ISA status on any ISA investments you transfer. The person receiving the transferred funds can invest them into a new ISA if they have enough of their ISA allowance for the current tax year remaining.

If you wish to arrange a stock transfer, please contact our UK-based Customer Service Team to request further details and copies of the forms that you will need to complete.

CHANGE UNIT OR SHARE TYPE.

If you would like to change the unit or share type in an existing fund, please ensure you have read the information below before proceeding:

About investing

Investing with IPS (Q37199) (PDF: 545KB)  

IPS non-advised Terms and Conditions (PDF: 332KB)  

About the funds

Key Investor Information Document (KIID) for the fund(s) you want to invest in

Once you have read all of the documents above you can change the unit or share type by downloading a  Transaction form self directed LGFS/LGN (PDF: 290KB)   Once you've filled in the correct sections as indicated on the form, simply send it back to us at the address on the form.

RE-REGISTRATION.

IPS gives you a consolidated view of your investments bought through our service. To give you an even better picture of your entire investment portfolio, you can also transfer stocks and shares ISAs or unit trust and OEICs that you have with other providers to IPS.

Before you re-register funds with IPS, please ensure you have read the following documents:

About investing

Information on our Portfolio Investments page

Investing with IPS (Q37199) (PDF: 545KB)  

IPS non-advised Terms and Conditions (PDF: 332KB)  

NEXT STEPS

For more information, please see the re-registration page, where you can also find out the next steps you should take if you want to re-register funds to IPS.

Please note, the re-registration forms mentioned on this page are for customers who have chosen not to pay a financial adviser for ongoing advice services. If you’ve agreed to pay adviser charges and you use the literature on this page you’ll set up a separate IPS account for your re-registered funds. If you have any questions about this you should speak to your financial adviser.

IMPORTANT INFORMATION
When you re-register your funds to IPS, it’s important to remember that your investment remains invested with the original fund manager.

You no longer deal with the adviser or provider with whom you first invested, as these funds are now administered by IPS. Please note, any special terms agreed with the original adviser you made the investment with will not be transferred to IPS when the fund is re-registered and standard IPS terms and conditions will apply.

SPEAK TO A FINANCIAL ADVISER.

If you would like assistance in understanding how best to manage your Portfolio Investments you should speak to a financial adviser. If you don't have an existing financial adviser you can find one by visiting www.unbiased.co.uk .


LOG IN OR REGISTER

Log in to your account, or register for the secure service. Please ensure you have read the information on this page before proceeding.

Fund performance.

KEEP TRACK OF YOUR INVESTMENTS

It’s reassuring when you can see where your money is and how it is doing. Our safe and secure online account can give you that peace of mind and you can register in a few simple steps. Once you're registered you'll be able to:

  • Access a free online account providing you with up-to-date portfolio valuations.
  • Manage your Portfolio Investments online, including buying, selling, switching and topping up.
  • Manage any regular monthly payments.
  • Access your transaction history at any time.
  • Download electronic versions of the important correspondence we have sent you in the post