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What is a cookie?

Cookies are text files containing small amounts of information, which your computer or mobile device downloads when you visit a website. When you return to these websites – or visit other websites that use the same cookies – they recognise these cookies and therefore your browsing device.

Cookies help websites to do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences and generally improving your browsing experience. They can also help to ensure that adverts you see online are more relevant to you and your interests.

What types of cookies do we use?

The type of cookies used on this website can be put into one of four categories based on the International Chamber of Commerce (ICC) guide for cookie categories: Strictly Necessary, Performance, Functionality and Targeting.

Strictly Necessary Cookies – These cookies are essential in order to enable you to navigate our websites and to access secure content. Without these cookies, services you have asked for, such as internet banking facilities, cannot be provided. These cookies don’t gather information about you for profiling or targeted marketing purposes.

This category cannot be disabled using the cookies preference selection on this website.

Performance Cookies – These cookies collect anonymous information about how visitors use our websites, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect personally identifiable information; the information collected is anonymous and is only used to improve the performance of our websites.

These cookies are not used to target you with online advertising and without these cookies we cannot learn how our website is performing, and make relevant enhancements that could help improve your experience when using our online services.

Functionality Cookies – These cookies allow our websites to remember choices you make (such as your user name, language or the region you're in) and tailor the website to provide enhanced features and content for you. These cookies can also be used to remember customisation changes that you may make (for example text size or fonts). They may also be used to provide services you asked for such as watching a video or commenting on a blog. The information these cookies collect is anonymous and cannot be used to track your browsing activity on other websites.

Without these cookies, a website cannot remember choices you've previously made or personalise your browsing experience.

Targeting Cookies – These cookies gather information about your browsing habits. They remember that you've visited a website and share this information with other organisations such as advertisers. They do this in order to provide you with adverts that are more relevant to you and your interests. Although these cookies can track your visits to other websites, they don’t usually know who you are.

Disabling these cookies will not stop online adverts from being displayed to you. However without these cookies, online adverts you encounter may be less relevant to you and your interests.

Setting your cookie preferences

You can use your browser settings to disable or delete all cookies. To do this, follow instructions provided by your browser (usually located on the top navigation bar within its ‘Help’, ‘Tools’, or ‘Edit’ facility). Please note that if you set your browser to disable cookies, this will affect all websites that you visit. Plus you may not be able to access secure areas of this website, for example any online accounts you may hold, and you may find that forms, such as application forms, shopping baskets or personalised tools, do not remember your details as you navigate through them.

What happens to cookies that have been downloaded in the past?

If you have chosen to disable cookies through your browser, we'll stop using the associated cookies to gather any further information. We may still use information collected previously. You can delete existing cookies from within your browser.

More information

Information about cookies: http://www.allaboutcookies.org Internet Advertising Bureau: Guide to online advertising and privacy

International Chamber of Commerce United Kingdom: ICC UK cookie guide All of the external sites you can reach through this website are here to help you. However, we must tell you that we accept no responsibility or liability for the content, accuracy or availability of any external site you may encounter.

Barclays

Find out more about...

Accounts

Investments

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Remember, the price and value of investments and their income fluctuates, you may get back less than you invest and past performance is not a guide to future performance. If you are in any doubt about investing in any type of investment, you should consult a financial adviser.

Barclays offers wealth and investment management products and services to its clients through Barclays Bank PLC and its subsidiary companies. Barclays Bank PLC is registered in England and authorised and regulated by the Financial Services Authority. Registered No. 1026167. Registered Office: 1 Churchill Place, London E14 5HP.

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Funds

Are you new to investing or entering a new market? Do you want professional management for some or all of your portfolio?

When you invest in a fund, your money is ‘pooled’ together with the money from other investors and this is invested on your behalf by a professional Fund Manager. So, if you aren’t yet confident about making your own investment decisions, or are looking to move into a different market, funds can be a great place to start, as the investment decisions are made by experts on your behalf.

Barclays Stockbrokers has a broad range of funds offered at discounted charges to choose from, to help you to build a portfolio to meet your objectives.

The value of funds and the income they generate can vary and the amount that you get back may be less than you invested. If you are in any doubt about investing in funds, you should consult your financial adviser.

Find out more about funds

Please note that you will be redirected to another Barclays Stockbrokers website.

Corporate Bonds & Gilts

Always thought of investing as too risky? Some investments are less risky than others and gilts (UK government bonds) or corporate bonds could be a good place to start. Bonds are effectively an IOU from a government or a company; the contract runs for a fixed length of time and pays a regular and predictable income.

As governments are generally considered to be more creditworthy than companies, gilts generally pay a lower rate of interest than corporate bonds.

The returns you receive from gilts and bonds take the form of regular interest payments. However, the value of the bond can go up and down and your capital could be at risk. Among other things, the value of bonds and gilts depend on the perceived ability of the company or government to repay the investment and on changes in interest rates.

The value of Corporate Bonds & Gilts can fall as well as rise and you may get back less than the amount you invested. Fixed income investments depend upon the ability of the issuer to repay its debts at the maturity date. If you are in any doubt about investing in bonds, you should consult your financial adviser.

Find out more about Corporate Bonds & Gilts

Please note that you will be redirected to another Barclays Stockbrokers website.

Exchange Traded Commodities

Investing in gold does not have to mean stashing bars of gold under your mattress! Exchange Traded Commodities (ETCs) allow you to invest in commodities, such as precious metals like gold; natural resources such as oil; or crops including wheat or cotton – without physically buying (and storing!) the product itself.

ETCs can ‘track’ either the performance of a single commodity (e.g. gold), or an index which reflects the price movements of a sector – such as energy or industrial metals. You can trade them just like shares – they are listed on the London Stock Exchange and they can be bought and sold during trading hours.

The value of ETCs can fall as well as rise and you may get back less than the amount you invested. If you are in any doubt about investing in ETCs, you should consult your financial adviser.

Find out more about ETCs

Please note that you will be redirected to another Barclays Stockbrokers website.

Exchange Traded Funds

Exchange Traded Funds (ETFs) are a low-cost and flexible way to diversify your portfolio. Most ETFs are designed to track the performance of investments in a geographical region, industry sector or index, such as the FTSE 100. Through a single trade, an ETF can spread your risk by diversifying your investments, so you don’t have all your eggs in one basket and ETFs are flexible and straightforward to trade – like a share.

The value of ETFs can fall as well as rise and you may get back less than the amount you invested. If you are in any doubt about investing in ETFs, you should consult your financial adviser.

Find out more about Exchange Traded Funds

Please note that you will be redirected to another Barclays Stockbrokers website.

Investment ISA

Think of an Individual Savings Account (ISA) as a handy tax-proof box for your investments – once they are inside, you don’t pay tax on any growth or income they generate.

You can shelter up to £10,200 in an Investment ISA this tax year (2010/11). You pick the types of investment you want, from the wide range on offer and you can change that mix any time you like.

The value of investments and their income can fall as well as rise and you may get back less than the amount you invested. If you are in any doubt about investing in an ISA, you should consult a financial adviser.

The value to you of the favourable tax treatment ISAs offer will depend on your individual circumstances. You should bear in mind that that tax rules may change and that this favourable treatment might not continue indefinitely.

Find out more and learn how to open an Investment ISA

Please note that you will be redirected to another Barclays Stockbrokers website.

MarketMaster®

Buying and selling investments is simple with MarketMaster®, the online trading account from Barclays Stockbrokers. With a MarketMaster® account you also get access to a range of investment services and information – including stock market news, research and trading tools – all designed to help you make the right investment decisions. You can set up an account in just a few minutes and then use it to view how your investments are performing whenever you like.

The value of investments and their income can fall as well as rise and you may get back less than the amount you invested. If you are in any doubt about investing, you should consult a financial adviser.

Find out more and learn how to open a MarketMaster® trading account

Please note that you will be redirected to another Barclays Stockbrokers website.

PensionMaster

Barclays Stockbrokers has found a pension manager you can trust, it’s you!

If you have the necessary expertise to make your own investment choices in your pension planning, you can take control of your retirement planning. PensionMaster – our Self Invested Personal Pension (SIPP) – puts you in the driving seat.

As with all pensions, investing in a SIPP offers significant tax benefits. It is also extremely flexible. You can choose from a wide range of investments to hold in your PensionMaster and change them as and when you please.

The value of investments and their income can fall as well as rise and you may get back less than the amount you invested. If you are in any doubt about investing in a SIPP, you should consult your financial adviser.

The value to you of the favourable tax treatment SIPPs offer will depend on your individual circumstances. You should bear in mind that that tax rules may change and that this favourable treatment might not continue indefinitely.

Find out more and learn how to open a PensionMaster account

Please note that you will be redirected to another Barclays Stockbrokers website.

Shares

Shares are probably the most familiar type of investment. If you buy shares in a publicly owned company like Sainsbury’s, you become a shareholder. This basically means you own a part of the company. Shares are bought and sold on exchanges such as the London Stock Exchange (LSE). The easiest way to buy or sell shares is to do it yourself using an online stockbroker like Barclays Stockbrokers.

The value of shares and their income can fall as well as rise and you may get back less than the amount you invested. If you are in any doubt about investing in shares, you should consult your financial adviser.

Find out more about shares

Please note that you will be redirected to another Barclays Stockbrokers website.

Structured products

Stock markets rise and fall – that’s a given. So, consider an investment that would let you take advantage of upturns but still offer to repay your capital at the end of a fixed term. This is exactly what some structured products are designed to do.

The returns and capital repayment of a structured product are based on the performance of a particular market, for example the UK stock market, emerging markets or commodity prices as measured by an appropriate index. Structured products are issued by leading financial institutions. It is important to be aware that if these institutions fail to meet their obligations, you will get back less than is due to you, or nothing at all.

Some structured products offer full repayment of your capital at maturity, plus the promised return based on the performance of the relevant index. Other types of structured products combine potentially higher returns with a higher degree of risk and you can lose money should certain specific events occur. Benefits are only paid at maturity. You can sell a structured product before maturity but the price will be the current market value and that may be less than the price you invested at, irrespective of the performance of the relevant market.

The value of investments can rise as well as fall, and you may get back less than the amount you invested. If you are in any doubt about investing in structured products, you should consult your financial adviser.

Find out more about structured products

Please note that you will be redirected to another Barclays Stockbrokers website.