ONLINE PERSONAL WEAL THAWARDS 2020

ONLINEPERSONAL W E A LT H AWA R D S

2020

SUPPLEMENT

Sponsored by

BEST INVESTMENT TRUST FOR INCOME

ABERDEEN STANDARD

Murray Income Trust PLC is an investment trust founded in 1923 and listed on the London Stock Exchange. The aims of the Trust are threefold ? firstly to generate a high income, secondly to grow that income and thirdly to provide capital growth. As an investment trust, all of this is overseen by an independent and experienced board of directors.

Murray Income invests in a broad variety of high quality companies that the managers believe are attractively valued with healthy dividend yields. Most of these companies are listed on the UK market but the Trust can invest up to 20% of the portfolio overseas. This is helpful in terms of diversifying risk and providing access to great companies

and industries that aren't available in the UK market. The Trust seeks to tap into the income growth potential of equities and has a 46-year track record of raising dividends.

For the managers, a high quality company is one with strong competitive positions, robust financial characteristics, an experienced management team and also a good ESG (environmental, social and governance) profile. The Trust is conservatively managed with the aim of maintaining a sensibly diversified portfolio. The Trust's holdings cover a broad range of companies and the capital and income exposure of any one stock is limited to around 5% of the portfolio.

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We strive to go deeper.

Murray Income Trust ISA and Share Plan

Investing for income growth is a skill. Sometimes, an investment that seems great on paper may not be so good when you look beneath the surface.

Murray Income Trust searches for high-quality income opportunities by getting to know in depth every company in whose shares we invest. We meet management face-toface. We ask tough questions ? and we only invest when we get to the bottom of how a business works.

So when we include a company in Murray Income Trust, you can be sure we've done the legwork.

Please remember, the value of shares and the income from them can go down as well as up and you may get back less than the amount invested. No recommendation is made, positive or otherwise, regarding the ISA and Share Plan.

The value of tax benefits depends on individual circumstances and the favourable tax treatment for ISAs may not be maintained. We recommend you seek financial advice prior to making an investment decision.

Request a brochure: 0808 500 4000 murray-income.co.uk

Issued by Aberdeen Asset Managers Limited, 10 Queen's Terrace, Aberdeen AB10 1XL, which is authorised and regulated by the Financial Conduct Authority in the UK. Telephone calls may be recorded.

Please quote 2294

BEST FX PROVIDER

FXPRO

Founded in 2006 and servicing clients in 170+ countries, FxPro is an industryleading online broker offering contracts for difference (CFDs) and Spread betting? on 6 asset classes: Forex, Metals, Energies, Indices, Futures and Shares.

Trading is provided through a variety of desktop, web and mobile platforms, together with competitive trading conditions across 265+ instruments.

As a No Dealing Desk Intervention? broker with a focus on providing superior execution, FxPro boasts exceptional execution statistics, highlighting their ongoing commitment to advanced technology and transparency.

Traders also benefit from an exclusive range of trading tools and market analysis, with 24/5 multilingual customer support.

FxPro consistently receives recognition for the quality of its services, with a trophy cabinet of 70+ UK and international awards to date. For five consecutive years, they have earned the title of `Best FX Provider'.

In their latest product development undertaking, FxPro launched an updated FxPro Direct app, an all-in-one solution for which it has been awarded `Best Mobile Application'.

Visit for more information.

FxPro UK Limited is authorised and regulated by the Financial Conduct Authority (registration no. 509956 FxPro Financial Services Ltd is authorised and regulated by the Cyprus Securities and Exchange Commission (licence no. 078/07) and authorised by the Financial Sector Conduct Authority ('FSCA') (authorisation no. 45052). FxPro Global Markets Ltd is authorised and regulated by the SCB (license no. SIA-F184).

?Spread Betting is only available to clients of FxPro UK Limited who reside in the United Kingdom. ?Subject to the FxPro Order Execution Policy.

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#1 Broker

in the world*

*Based on 70+ international awards



Trade Responsibly. 75.56% of retail investor accounts lose money when trading CFDs and Spread Betting with this provider. You should consider whether you understand how CFDs and Spread Betting work and whether you can afford to take the high risk of losing your money. FxPro UK Limited is authorised and regulated by the Financial Conduct Authority (registration no. 509956).

BEST JUNIOR SIPP PROVIDER & BEST RETIREMENT ADVISER

FIDELITY

Fidelity Personal Investing can help you integrate the financial with the rest of your life. Whether you're thinking about buying a house, supporting children through university, starting your own business or enjoying the retirement you deserve, Fidelity is here to help you.

We offer a huge range of investment options ? including ISAs and pensions, funds from over 100 providers and online share dealing.

On our website you'll find guidance and investment selection tools to help you plan ahead. Our range is designed to help everyone from first timers to those with more experience, because we understand that every investor is different.

We also keep you informed, so you can

make better financial decisions year after year. Our experts provide views, opinions and investment information covering the UK and global markets.

Finally, we know there are times when you may need to speak with someone. That's why we have a UK and Ireland-based phone team on hand, plus a dedicated team of retirement specialists to help with the complex retirement decisions you may face.

Whatever your investing needs, we can help you make the most of your money.

The value of investments can go down as well as up, so you may get back less than you invest.

fidelity.co.uk

WINNER

ONLINEPERSONAL W E A LT H AWA R D S

2020

BEST JUNIOR SIPP PROVIDER

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Be ready for whatever life may bring

Bring your pensions together in a Fidelity SelfInvested Personal Pension (SIPP) and be better prepared for the future you want.

? Easy to see and manage your retirement savings in one place

? Low cost, so you keep more of your money

? Flexible income options at retirement, with no set up or withdrawal fees

We'll cover up to ?500 if your current providers charge exit fees (T&Cs apply).

For more information:

0800 028 1819

fidelity.co.uk/sipp-benefits

Lines are open Monday to Friday 8am to 6pm and Saturdays 9am to 2pm

Important Information: The value of investments can go down as well as up so you may get back less than you invest. Withdrawals from a pension product will not normally be possible until you reach age 55. It's important to understand that pension transfers are a complex area and may not be suitable for everyone. Before going ahead with a pension transfer, we strongly recommend that you undertake a full comparison of the benefits, charges and features offered. To find out what else you should consider before transferring, please read our transfer factsheet. If you are in any doubt whether or not a pension transfer is suitable for your circumstances we strongly recommend that you seek advice from an authorised financial adviser.

ISAs Pensions Funds Shares

Issued by Financial Administration Services Limited, authorised and regulated by the Financial Conduct Authority. Fidelity, Fidelity International, the Fidelity International logo and F symbol are trademarks of FIL Limited. UKM0320/26813/CSO9634/0221

BEST CUSTOMER SERVICE

HALIFAX

Halifax Share Dealing is an awardwinning execution-only broker that offers an affordable share dealing service to investors. With low cost flat rate pricing, its simple, easy to navigate platform offers a wide range of investment options and one of the most affordable Stocks and Shares ISAs in the market.

Halifax Share Dealing offers a free

digital toolkit to help investors make better informed decisions. Those who are new to investing can learn the basics and demystify the stock market, while the digital hub also gives customers the opportunity to research investment ideas, track the performance of their investments and keep up to date with the latest market news.

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