Risk and Compliance Disclosure

Our status, in full

Stonehaven Investments Ltd provides general financial information and educational content only. We do not provide personalised investment advice, we do not manage client money, and we are not authorised or regulated by the Financial Conduct Authority. Nothing on this website should be construed as a personal recommendation under the Financial Conduct Authority’s rules. We are not entered on the Financial Services Register. Because we conduct no regulated activities, we are not members of the Financial Ombudsman Service, and our work is not covered by the Financial Services Compensation Scheme.

Investment risk, stated plainly

The value of investments can fall as well as rise, and you may get back less than you invested. Past performance is not a reliable indicator of future results. Levels and bases of taxation, and reliefs from taxation, can change at any time and depend on individual circumstances. Specific investments carry specific risks – currency movements for overseas assets, credit and interest-rate risk for bonds, liquidity risk for property and less-traded holdings – and past performance of any asset class, fund or strategy is not a reliable indicator of future results.

No returns are promised

We do not forecast markets, and we do not promise, project or imply any particular investment outcome from our analysis. Any historical figures we cite are for context only. Any person or firm promising you a guaranteed return, or borrowing your money to invest on your behalf with a ‘fixed’ rate, should be treated as a serious warning sign regardless of their polish.

How to check whether a firm is regulated

The Financial Conduct Authority maintains the Financial Services Register at register.fca.org.uk. Before taking financial advice, or handing money to any firm, search the register for the firm’s name and check that the permissions listed cover the activity they are offering you. If a firm claims FCA authorisation but does not appear on the register, or appears with different permissions, stop and report it: the FCA runs a warning list of known unauthorised firms, and Action Fraud (actionfraud.police.uk) is the UK’s national reporting centre for fraud and cyber crime.

When you may need regulated advice

Some situations genuinely require an authorised adviser: transfers out of defined-benefit (‘final salary’) pensions; investments in unregulated collective schemes; complex tax positions involving multiple jurisdictions; and borrowing to invest, among others. Our practice is to identify these situations in our work and refer you onward – we would rather lose a fee than leave you exposed beyond our competence or our permissions.

About the information we publish

Our guides and analyses reflect our honest reading of evidence available at the date of publication, and they are dated accordingly. Tax figures and thresholds change with budgets; where figures are time-sensitive, we date them and mark them. If you spot an error in anything we have published, we would genuinely like to hear about it: write to enquiries@stonehaveninvestments.uk and we will correct it.

Contact

Stonehaven Investments Ltd · 4th Floor, 12 Fenchurch Avenue, London EC3M 5PB, United Kingdom · +44 (0)20 7946 0821 · enquiries@stonehaveninvestments.uk