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Advisers are professional investors who are authorised by relevant regulators to provide their clients with investment and/or pension advice.
Asset or Wealth Managers are financial planners, investment portfolio managers and other professional investors.
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Personal investors (also known as 'retail clients') are client organisations or individuals who cannot meet both (i) one or more of the professional client criteria laid down in Annex II to the Markets in Financial Instruments Directive (Directive 2004/39/EC), and (ii) one or more of the qualified investor criteria set out in Article 2 of the Prospectus Directive (Directive 2003/71/EC).
The personal investor category gives investors the greatest level of protection under the regulations and ensures investors get full information about any products they invest in.
If you are a retail investor but would like to be categorised as a professional investor, you should know that this is allowed but it would mean:
If you are a professional investor (also known as a 'professional client') but would like to be categorised as a personal investor, this is allowed but it doesn't necessarily mean you can refer any complaints to the Financial Ombudsman Service and you may not be eligible for compensation under the Financial Services Compensation Scheme.
The definition of a professional client comes from the MiFID directive which provides definitions for professional and retail clients as well as eligible counterparties.
MiFID adopts two main categories of client: retail and professional. There is a separate and distinct third category for a limited range of business: eligible counterparty (ECP) has the lowest level of protection under MiFID.
Professional clients are those who may be deemed to possess the experience, knowledge and expertise to make their own investment decisions and properly assess the risks associated thereto. The list below taken from the official Journal of the European Union (L 145/44 EN Official Journal of the European Union 30.4.2004) should be understood as including all authorised entities carrying out the characteristic activities of the entities mentioned: entities authorised by a Member State under a Directive, entities authorized or regulated by a Member State without reference to a Directive, and entities authorised or regulated by a non-Member State:
Please note that the above summary is provided for information purposes only. If you are uncertain as to whether you can be classified both as a professional client under the Markets in Financial Instruments Directive and classed as a qualified investor under the Prospectus Directive then you should seek independent advice.
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The countries our funds are authorized for sale will depend upon your country of domicile for tax purposes. To the extent you have questions about your status, you should consult your financial or other professional advisor.
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* US Person includes, but is not limited to, a person (including a partnership, corporation, limited liability company or similar entity) that is a citizen or a resident of the United States or is organised or incorporated under the laws of the United States. Certain restrictions also apply to any subsequent transfer of Shares in the United States or to US Persons. Should a Shareholder become a US Person and such US Person is not compulsory redeemed, such US Person may be subject to US withholding taxes and tax reporting.
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Maximise your ISA potential
Discover how you can shape up your savings plan and invest in our range of Investment Trusts to maximise your stocks and shares ISA potential.
The new tax year is here! 'Early bird' investors have a fresh opportunity to invest up to £20,000 in an Individual Savings Account, tax-free.
Investment trust enthusiasts could be forgiven for feeling slightly despondent as they contemplate their portfolios and ponder good ideas for their ISA allowances, before the tax year ends on 5 April.
Jonathan Davis, industry expert and presenter of the Money Makers Podcast, uses his expertise to discuss how Investment Trusts could play a significant part in your ISA 2024/2025 investment portfolio.
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Today’s unprecedented pace of technological change is creating attractive investment opportunities across global markets and sectors. One of the most effective ways to capitalise on this growth potential is through investment trusts.
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Our product solutions
Our selected trusts offer different passages into growth and income investment opportunities.
GB00BF4JDH58
MRC LN
FE Crown Rating
(As of 28/02/2025)
GB00BMXWN182
JMG LN
Overall Morningstar Rating™ (As of 28/02/2025)
GB0003422184
JCH LN
FE Crown Rating
(As of 28/02/2025)
GB00BYMKY695
JGGI LN
FE Crown Rating
(As of 28/02/2025)
GB00BKZGVH64
JAM LN
FE Crown Rating
(As of 28/02/2025)
GB00B5ZZY915
JEMI LN
FE Crown Rating
(As of 28/02/2025)
Past performance is not a reliable indicator of current and future results
Helping you invest: Our ISA Insights
Read our carefully selected ISA Insights to help you navigate your investment and ensure you maximise the ISA allocation for this year.
Whilst investors may enjoy the certainty that cash ISAs provide, when looking to invest for the long term, there is a risk attached to cash. Over the long term, interest on savings accounts tends not to keep pace with inflation. And that means your cash loses value in real terms. In this article we discuss the merits of taking some investment risk (within a Stocks and Shares ISA) and what factors there might be to consider.
Read more
Junior ISA Tax-efficient investing for children.
Read more
Discover the reasons for investing in a JISA, and why they're potentially one of the most effective ways to save for your child's future.
Read more
As the tax year-end approaches and astute investors wonder where to channel their remaining ISA allowance and pension top-ups, we look at which markets could offer the most potential within the investment trust arena.
Read moreWays to invest
These websites are third party sites and J.P. Morgan Asset Management does not endorse or recommend any. Please observe each site's privacy and cookie policies as well as their platform charges structure.
Professional advisers are usually able to access the products of all the companies in the market and can help you find an investment that suits your individual circumstances. A financial adviser will let you know the fee for their service before you go ahead.
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