WHAT
OUR
READERS SAY ... |
I
have been an IRS reader for many years, and have valued your
contributions........thank you for contributing to my investment
decisions.
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–
Mr. J.W., Stroud
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| Concise
and to the point, particularly John Snowden. Profitable recommendations:
Hitachi Credit, British Land, Alphameric, Mayborn Group, Marks
& Spencer, Darby Group, Sibir Energy, Lloyds TSB. |
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–
Mr. G.C., Scunthorpe
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| The
Report is easily comprehensible even to a financial ignoramus like
me. |
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–
Mr. F.C., Salford
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| I
am an IFA by profession - I find the articles very helpful. |
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–
Mr. B.H., Surrey
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| Every
effort is made to ensure that all facts and figures given in The
IRS Report are correct and that published information –
both on the website and in the paper version – are based
upon adequate research and analysis, but no legal responsibility
can be accepted for any errors, omissions or inaccuracies. Opinions,
interpretations and conclusions are our own. Share prices can
go down as well as up. The past is not necessarily a guide to
future performance. The spread between the bid and offer prices
of securities can be significant in volatile market conditions,
especially for smaller companies. Realisations of small investments
may be relatively costly. With the exception of conventional gilts
and annuities, the income from high-yielding investments may not
be guaranteed and may fluctuate in value in money terms. An above-market
yield may entail a danger of capital erosion. Investments dominated
in currencies other than sterling entail a risk that changes in
rates of exchange may cause losses or gains, regardless of the
performance of the underlying investment. The return on investment
in with-profits life assurance or pensions depend not only on
what profits are made by the insurance company, but also what
decisions are made about when and how much of them is distributed
to policy holders. Charges and expenses on many life and pension
products are loaded disproportionately on to the early years,
and so it follows if an investor withdraws from the investment
in the early years they may not get back the full amount invested.
Investments in derivatives, such as commodity or financial futures,
are typically made on margin, which means an investor may lose
not only the totality of the initial investment, but also incur
a liability to pay unspecified additional amounts later. Investments
in property may prove difficult to sell, and the value of the
property is a matter of a valuer's opinion. The investments and
the recommendations referred to in The IRS Report may not
be suitable for all investors and if you are in doubt you should
seek advice from your usual investment adviser. Levels and bases
of, or reliefs from, taxation are subject to change. Contributors
and staff of The IRS Report may from time to time have
positions in securities recommended in the newsletter. All contributors,
employees and suppliers have agreed in writing not to profit from
advance knowledge of any recommendations made in The IRS Report,
and to allow the company at its discretion to investigate any
personal trading activity. Employees or contributors who violate
this trust are aware that they may be subject to civil action
or criminal prosecution. |
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