Frequently Asked Questions

Even for professionals familiar with investing the number of technical terms and tax issues can be confusing. Below we aim to build a resource of frequently asked questions to help demystify the jargon and inform you about our products and the options available to you to save tax efficiently.

Please note these questions and answers are intended to be of a generic nature. If you have specific questions relating to your own personal circumstances you should consult a financial adviser.

ISA Questions

Yes. If you have money saved in an ISA from a previous tax year you can transfer some or all of the money from that ISA to the Fundsmith Equity Fund ISA without this affecting your annual ISA investment allowance. Please click here to open the appropriate application form.

 

You can transfer a cash ISA to another cash ISA with a different provider. You can do the same with stocks and shares ISAs. 

You can also transfer a cash ISA to a stocks and shares ISA or vice versa.

If you want to transfer money you’ve invested in an ISA this current year, you must transfer all of it.

For previous years, you can choose to transfer all or part of your savings.

 

Yes. If you have money saved in an ISA from a previous tax year you can transfer some or all of the money from a cash ISA to a stocks and shares ISA without this affecting your annual ISA investment allowance. Please click here to open the appropriate application form.

Money saved in the current tax year:

  • savers are able to transfer money saved in the current tax year from a cash ISA to a stocks and shares ISA, but they must transfer the whole amount saved in that tax year in that cash ISA up to the day of the transfer
  • the money transferred is then treated as if it had been invested directly into the stocks and shares ISA in that tax year; the saver is then still able to save or invest the remainder of their annual ISA investment limit in that tax year, including up to the maximum permitted amount in a cash ISA

To invest in an ISA you must be:

  • a UK resident or a Crown employee, such as a diplomat or member of the armed forces, who is working overseas but paid by the government or the husband, wife or civil partner of a Crown employee
  • 16 or over for a cash ISA
  • 18 or over for a stocks and shares ISA

An ISA must be in your name alone; you can't have a joint ISA.

 

Pension Questions

Yes. Many pension providers, especially those offering self invested personal pensions (SIPP), offer the ability to invest in a wide choice of funds including the Fundsmith Equity Fund. In most cases this should be a straightforward request.                          

Fund Distributors

Fundsmith has been working hard to develop partnerships with the UK's leading Life and Pensions providers and Fund Supermarkets and Wrap Platforms to allow investors to purchase the Fundsmith Equity Fund through these providers.

The present list of providers is shown in the logos at the bottom of these webpages. We will be adding to this list and will update it accordingly.

Junior ISA

The Junior ISA is a tax-free savings account for children. However, unlike the Child Trust Fund account (which has been closed to children born on or after 3 January 2011), the government will not make any payments into the new accounts.

The key features of the Junior ISA are:

  • children living in the UK who do not have a Child Trust Fund account will be able to have a Junior ISA
  • people will be able to put money into a cash account or ‘stocks and shares’ account
  • each child will be able to have one cash and one ‘stocks and shares’ Junior ISA at any one time
  • there will be a total yearly limit for all payments into these accounts (more information can be found here)
  • accounts will become ISAs when the child is 18

As with Child Trust Funds, the following will apply to Junior ISAs:

  • the accounts will belong to the child and they are not able to get the money out until they are 18
  • the child can become responsible for the account when they are 16
  • any money the accounts make will be tax free
  • a range of banks, building societies, credit unions, friendly societies and stock brokers will offer Junior ISA accounts

The Fundsmith Junior ISA will be available from the 1st November 2011 by postal applications. Please download an application from the Documentation section of this website. Telephone applications will also be available in due course.

General Questions

Microsoft Outlook 2003
  1. Open the email message from the sender you want to add to your address book.
  2. Right-click Click here to download images in the gray bar at the top of the message.
  3. Click Add Sender to Senders Safe List to finish.
Outlook 2007
  1. Right-click on the email you received (in the list of emails).
  2. Click Junk E-mail.
  3. Click Add Sender to Safe Senders List to finish.​
Outlook 2010
  1. Click the Home tab.
  2. Click Junk.
  3. Click Junk E-mail Options.
  4. Click Safe Senders.
  5. Click Add.
  6. Enter [noreply@fundsmith.co.uk] and additional information if you wish.
  7. Click OK to finish.​
Gmail
  1. Open an email from the sender that you want to whitelist.
  2. Click on the little down-pointing-triangle-arrow next to “reply.”
  3. Click Add noreply@fundsmith.co.uk to contacts list to finish.
Windows Live Hotmail
  1. Open an email from the sender that you want to whitelist.
  2. Click add to contacts next to [wlemail] to finish.​
Yahoo! Mail
  1. Open the email message from the sender you want to add to your address book.
  2. Click Add to contacts next to noreply@fundsmith.co.uk.
  3. On the Add Contact popup, add additional information if needed.
  4. Click Save to finish.
Mac Mail
  1. Click Address Book.
  2. Click File.
  3. Click New Card.
  4. Enter noreply@fundsmith.co.uk and additional information if you wish.
  5. Click Edit to finish.
AOL Mail
  1. Click Contacts in the right toolbar.
  2. Click Add Contact.
  3. Enter noreply@fundsmith.co.uk and additional information if you wish.
  4. Click Add Contact button in the popup to finish.
Mozilla Thunderbird for PC
  1. Click Address Book.
  2. Make sure Personal Address Book is highlighted.
  3. Click New Card. This will launch a New Card window that has 3 tabs: Contact, Address & Other.
  4. Under Contact, enter [wlemail] and additional information if you wish.
  5. Click OK to finish.​
Mozilla Thunderbird for Mac
  1. Click Address Book.
  2. Make sure Personal Address Book is highlighted.
  3. Click New Card. This will launch a New Card window that has 3 tabs: Contact, Address & Other.
  4. Under Contact, enter noreply@fundsmith.co.uk  and additional information if you wish.
  5. Click OK to finish.
Apple Mail
  1. Click noreply@fundsmith.co.uk in the header of the message you’re viewing.
  2. Click Add to finish.
Android devices – Samsung, Google Nexus, others
  1. In the default email client, touch the picture of the sender.
  2. Click OK to add to contacts.
iOS devices – iPad, iPhone, iPod Touch
  1. On any message, tap the sender and add to either a new contact or an existing contact.

Some providers such as Virgin drop falsely detected spam emails before delivering to users by default.
For such providers users may have to go into the provider’s webmail settings to change defaults.

To change your address, please either contact us on 0330 123 1815 (+44 1268 448659) or complete the Change of Address Form here