Our services are available as usual
If you have any questions about managing your account, check the frequently asked questions below to see if we can help (just click the question and the answer will appear underneath:
If you choose to receive our optional Ongoing Service you will receive the following benefits and services:
Depending on the level of service we have agreed with you, your Nationwide Financial Planning Manager may also:
Your Ongoing Service rate will be specified within the Advised Tariff of Charges provided to you by your Nationwide Financial Planning Manager and will be dependent on the level of service we have agreed with you. View the Tariff of Charges documents. The price of Ongoing Service is deducted monthly from the value of your investments either via your cash account or from the investment directly if you hold a Select Portfolio Bond.
You can cancel the Ongoing Service at any time via your Financial Planning Manager, by completing the opt-out form online, or directly via the Investor Portfolio Service (provided by Cofunds) and Legal & General.
For the latest charges that apply on investments where you have received advice via a Financial Planning Manager please refer to the Tariff of Charges. Please note, Nationwide will continue to receive commission on any other investments you hold with us where an initial advice charge was not collected.
You can opt out of this ongoing service at any time, you simply have to complete our Investment Portfolio Ongoing Service Opt out Form or visit your local branch.
The Advised Tariff of Charges documents were part of the paperwork provided to you by your Nationwide Financial Planning Manager at the time you made your investments, and your tariff will depend on the level of service we have agreed with you. View the Tariff of Charges documents.
If any of the information in your Annual Customer Report is incorrect, or if your details have changed, please contact your Financial Planning Manager. You can find their details on the cover letter or back page of your Annual Customer Report or on the paperwork you will have been given when you met your adviser.
For latest details on the terms and conditions that will apply to adviser charging please refer to the Nationwide Customer Agreement (Customers receiving advice) and to the Advised Tariff of Charges documents provided to you by your Nationwide Financial Planning Manager. Your tariff will depend on the level of service we have agreed with you. View the Tariff of Charges documents.
Yes you can opt back in at anytime you just need to visit your local Nationwide Financial Planning Manager. Please note that a portfolio review advice charge will apply if you need advice in the future on your investments.
Select the 'Contact Us' link located at the bottom of every page of the Personal Finance Portal or please contact your local branch.
You can call us on 0800 30 20 10, write to us at Nationwide Building Society, Pipers Way, Swindon, SN38 1NW or email us using the email service form located on www.nationwide.co.uk. Please note: All complaints will be acknowledged within 5 working days.
If you've forgotten your memorable data, or you are having technical difficulties when logging in or using the Personal Finance Portal, please contact your Financial Planning Manager.
If you have not yet requested access to the Personal Finance Portal and would like to, please contact your Financial Planning Manager directly using the phone number or email address they gave you.
If you are not able to contact your Financial Planning Manager directly, please contact your local branch.
We do not currently offer a pension product. Should you wish to receive advice on pensions specifically, you should contact the website www.unbiased.co.uk to find an adviser who can help you.
If you have any further questions about the Ongoing Service we offer you please contact your Financial Planning Manager directly who will be happy to support you.
To get access to Personal Finance Portal, please contact your Financial Planning Manager and they will send you an activation link with full instructions to complete registration. Your Financial Planning Manager will also be able to guide you through the registration process.
The valuations in your ACR are produced up to a month before it is sent out to you whereas on PFP the valuations are calculated daily and this may explain any differences. If you feel that this does not explain the difference in your valuations, please contact your Financial Planning Manager.
The ACR and PFP only list products within your Nationwide Portfolio. If you believe there are products missing then please contact your Financial Planning Manager with specific details and they will be able to investigate this further.
The documentation you originally received at the time you made your investment contains specific fund and product information, including details of the fund management companies selected. Further information is available within your Personal Finance Portal. If you have a specific question please contact your Financial Planning Manager.
An OEIC is also a collective investment that operates in a similar way to Unit Trust, however, their legal status is different; they are set up as limited companies. This means that investors buy and sell shares in the OEIC.
A Unit Trust is a type of collective investment fund created under trust deed. Within each fund your investment will be pooled with many other investors. The investment will then be managed for you and all the other investors. This method provides you with the potential for a greater range of assets (often referred to as diversification) to be held and the reassurance that your money is managed by a professional investor. Investing in a unit trust offers flexibility in adding to or withdrawing from your investment and has no fixed end date.
Current and previously sold fund information
You will be able to view the Key Investor Information Documents (KIIDs) by clicking on the appropriate fund.
Funds currently available for new investment will be displayed differently from the historical information.
Every year on the anniversary of your first investment.
If you have already registered for the Personal Finance Portal, you will receive a message in your Personal Finance Portal (PFP) inbox with the ACR attached. You should receive a notification email letting you know when the message arrives.
If you do not have access to PFP, you will need to arrange this via your Financial Planning Manager. This will ensure that you can obtain future versions electronically.
The report is an annual overview of your financial products arranged through Nationwide and does not break these down to a transactional level. You will continue to receive your annual statement, which is sent out in July each year.
We calculate the gain/loss by taking the current value figure, adding any withdrawals and then removing the amount Invested. For example:
This account is for you to:
It should only be used to hold cash on a transitional basis for a short period of time (maximum recommended 30 days) and is not intended as a savings account.
You may have more than one cash account, for example if you have an account solely in your name and another held in joint names.
This is the amount that was originally paid into your investment, any additional lump sum investments made to this and the total amount of any regular premium contributions to date. The amount that you have paid for the Initial Advice Charge is not included in this figure. Please note that this is the amount on the day the report was produced. You can always find up to date information by visiting your Personal Finance Portal.
Withdrawals are any physical withdrawals that have been made from your investments, including those for income, and any transfers to other investments, as well as any deductions made for charges such as the Ongoing Service Charge.
This shows your top ten holdings within the investments you hold including Equities, Government & Corporate Bonds, Cash and Property.
Please also note that the information in this table does not include any structured products you may hold.
The ‘current value’ is the policy valuation at the time your ACR is produced. This is calculated by taking the number of units you hold in each fund multiplied by the latest fund unit price. The total value of each fund gives the policy valuation. This valuation figure includes the original investment value of any Structured Products that you hold with Nationwide. Please note that depending upon when you choose to encash your investments, the amount you receive may be higher or lower than the value quoted.
A number of organisations offer different types of structured product. The names of these plans can vary, however they can be divided into two broad categories; structured investments and structured deposits. Nationwide offered the deposit based version which we titled either 'Guaranteed Equity Bond' or 'Protected Equity' Bond’.
We recommend that you review your portfolio to ensure that it remains appropriate to your needs. If you would like advice on your portfolio, please contact your Nationwide Financial Adviser.
New regulations came into force in January 2013 that resulted in fund providers having to create new versions of their funds in order to show their charges more transparently. As they are new versions, they do not yet have the same historical information available as older funds.
In the Annual Customer Report (ACR) the ‘Investment Fund Chart’ shows what percentage of your money is invested in each individual fund. If you have more than ten funds, the nine funds which have the most money invested are shown along with an 'other' fund, which represents all your other funds.
The ‘Investment Sector Chart’ shows a breakdown of all your funds and how they are invested into a number of ‘Investment Sectors’ as categorised by the Investment Association. Investment Sectors are categorised by the mix of assets that they are describing; this includes cash, government gilts, corporate bonds, property and shares both in the UK and abroad.
Quartile rankings are a measure of how well a fund has performed against all other funds of that type. This is calculated by sorting the funds by their performance figures. Funds in the top 25% are assigned a quartile ranking of 1; the next 25% are assigned a ranking of 2, and so on. Therefore funds with the highest returns are assigned a quartile of 1, whereas those with the worst returns are assigned a quartile of 4.
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