CAF Investment Account

CLEAR COSTS, COMPETITIVE CHARGES

We believe in keeping our pricing simple, so you can see exactly what you're paying for.

HOW OUR PRICING WORKS

We’ve broken the costs down into three parts:

  • account fees
  • transaction charges
  • fund charges

Top tip

When choosing funds, make sure you understand the total cost of the fund which includes the initial charge, Annual Management Charge (AMC) and other costs.

ACCOUNT FEES

How we calculate your fee

We work out your annual account fees based on the value of your investment portfolio. They’re calculated on a daily basis and charged to your account quarterly.

Up to £50,000 0.30%
Next £50,000 to £249,999 0.25%
Next £250,000 to £499,999 0.20%
Next £500,000 to £1,999,999 0.15%
Next £2,000,000 to £10,000,000 0.11%
 £10,000,000+ Negotiable

Try our handy calculator to see what your costs could be


If you invested , your account fees would be:

Overall fee percentage
Total account fees

TRANSACTION CHARGES

Each transaction you make has its own costs, which vary based on your investment type.

  • Funds - your first 12 fund trades per year are free, then £5 per subsequent transaction
  • Direct investment - just £10 per stock and share transaction

Example transaction charges

If you bought or sold 14 funds over a year, your transaction charges would be:

First 12 fund transactionsFree
The last 2 fund transactions£5
Total transaction charges£10

FUND CHARGES

Fund charges can sometimes be significantly cheaper through the CAF Investment Account than buying direct through a Fund Manager. However, it’s worth checking your existing charges before you make a decision as we can’t guarantee these will be lower.

Each Fund has its own specific charges, which are paid from the value of your investment in the Fund.

This example is for illustration purposes only and is not a recommendation of funds you should select.

 

*The charges applicable to each Fund available in the CAF Investment Account can be found on their factsheets.

**Source: Invesco Perpetual website, correct as at 29.06.16

 

Example fund charges

Let’s say you invested in one fund, for example the Invesco Perpetual Income Fund. Your fund charges over the first 12 months would be:

Initial charge

CAF Investment Account0%*
Direct with the Fund Manager5%**

Ongoing charge


CAF Investment Account0.91%*
Direct with the Fund Manager1.66%**
Total fund charges (Initial plus ongoing)

CAF Investment Account0.91%*
Direct with the Fund Manager6.66%*

EXAMPLE TOTAL FEES AND CHARGES

Based on this example, if you invested £300,000 the total charges within the first 12 months are made up of:

  CAF Investment Account   Directly from the Fund Manager
Account fee £750   £0
Transaction charges £0 if within first 12 transactions   Dependent on fund conditions
Initial fund charges £0   £15,000
Ongoing fund charges £2,730   £4,980
Total fees and charges £3,480 £19,980

ADMINISTRATION FEES

Other common options you may want to use and their fees are below.

  • Same-day cash transfer payment out - £25 per transaction
  • Paper statements/copies - £10
  • Transfers in - free
  • Transfers out (per individual stock) - £15
  • Conversions - £40 per share class. If you instruct us to convert your FP CAF Funds or CAF UK Equitrack Funds within three months of opening your CAF Investment Account, we'll cover the costs for you.

These charges are debited to your CAF Investment Account.

READY TO GET STARTED?

Ready to sign up to the CAF Investment Account?

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FREQUENTLY ASKED QUESTIONS

  • Who can apply for a CAF Investment Account?

    Any organisation considered charitable by HMRC  can apply for a CAF Investment Account. This includes charities, Community Interest Companies and Community Land Trusts.

  • Which exchanges are available to trade on within the CAF Investment Account?

    The CAF Investment Account allows you to trade on the London Stock Exchange (LSE) and the Alternative Investment Market (AIM) as well as:

    • XASE American Stock Exchange
    • XNAS Nasdaq XNYS NYSE
    • TSX & TSXV Canada
    • XAMS Amsterdam
    • XBRU Brussels
    • XETRA Germany
    • XLIS Lisbon
    • MTAA Italy and XMIL Milan
    • XPAR Paris
  • Should we speak to an independent financial adviser?

    Different investments suit different investors; an independent financial adviser can assess your individual circumstances, give you an overview of your options, recommend the best route and provide ongoing support. To find one in your area, visit www.unbiased.co.uk.

Can’t find the answer to your pricing question?

Contact our team who are happy to help you.

Get in touch now

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TAKE THE NEXT STEP

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Important information

The value of investments may fall as well as rise. You may not get back the full amount that you originally invested.

Past performance is not a guide to future performance.

There is no guarantee about the level of capital gains or income that will be generated.

Full legal information 

Regulatory information

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Disclaimer

The CAF Investment Account is offered to you by CAF Financial Solutions Limited (CFSL) and is operated and supplied by Interactive Investor Trading Limited. Interactive Investor Trading Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Standon House, 21 Mansell Street, London E1 8AA.

CAF Financial Solutions Limited (CFSL) is authorised and regulated by the Financial Conduct Authority. Registered office is 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4TA. CFSL is a subsidiary of Charities Aid Foundation (registered charity number 268369).