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SUPPLEMENT

Sponsored by

2MARCH 2020

ABERDEEN STANDARD

BEST INVESTMENTTRUST FOR INCOME

Murray Income Trust PLC is an investment trust founded in 1923 and listed on the London Stock

Exchange. The aims of the Trust are threefold – firstly to generate a high income, secondly to grow that income and thirdly to provide capital growth. As an investment trust, all of this is overseen by an independent and experienced board of directors.

Murray Income invests in a broad variety of high quality companies that the managers believe are attractively valued with healthy dividend yields. Most of these companies are listed on the UK market but the Trust can invest up to 20% of the portfolio overseas. This is helpful in terms of diversifying risk and providing access to great companies

and industries that aren’t available in the UK market. The Trust seeks to tap into the income growth potential of equities and has a 46-year track record of raising dividends.

For the managers, a high quality company is one with strong competitive positions, robust financial characteristics, an experienced management team and also a good ESG (environmental, social and governance) profile. The Trust is conservatively managed with the aim of maintaining a sensibly diversified portfolio. The Trust’s holdings cover a broad range of companies and the capital and income exposure of any one stock is limited to around 5% of the portfolio.

Murray Income Trust ISA and Share PlanInvesting for income growth is a skill. Sometimes, an investment that seems great on paper may not be so good when you look beneath the surface.

Murray Income Trust searches for high-quality income opportunities by getting to know in depth every company in whose shares we invest. We meet management face-to-face. We ask tough questions – and we only invest when we get to the bottom of how a business works.

So when we include a company in Murray Income Trust, you can be sure we’ve done the legwork.

Please remember, the value of shares and the income from them can go down as well as up and you may get back less than the amount invested. No recommendation is made, positive or otherwise, regarding the ISA and Share Plan.

The value of tax benefits depends on individual circumstances and the favourable tax treatment for ISAs may not be maintained. We recommend you seek financial advice prior to making an investment decision.

Request a brochure: 0808 500 4000 murray-income.co.uk

We strive to go deeper.

Issued by Aberdeen Asset Managers Limited, 10 Queen’s Terrace, Aberdeen AB10 1XL, which is authorised and regulated by the Financial Conduct Authority in the UK. Telephone calls may be recorded. aberdeenstandard.com

Please quote 2294

4MARCH 2020

BEST FXPROVIDER

Founded in 2006 and servicing clients in 170+ countries, FxPro is an industry-leading online broker offering contracts

for difference (CFDs) and Spread betting¹ on 6 asset classes: Forex, Metals, Energies, Indices, Futures and Shares.

Trading is provided through a variety of desktop, web and mobile platforms, together with competitive trading conditions across 265+ instruments.

As a No Dealing Desk Intervention² broker with a focus on providing superior execution, FxPro boasts exceptional execution statistics, highlighting their ongoing commitment to advanced technology and transparency.

Traders also benefit from an exclusive range of trading tools and market analysis, with 24/5 multilingual customer support.

FxPro consistently receives recognition for the quality of its services, with a trophy cabinet of 70+ UK and international awards to date. For five consecutive years, they have earned the title of ‘Best FX Provider’.

In their latest product development undertaking, FxPro launched an updated FxPro Direct app, an all-in-one solution for which it has been awarded ‘Best Mobile Application’.

Visit FxPro.com for more information.

FXPRO

FxPro UK Limited is authorised and regulated by the Financial Conduct Authority (registration no. 509956 FxPro Financial Services Ltd is authorised and regulated by the Cyprus Securities and Exchange Commission (licence no. 078/07) and authorised by the Financial Sector Conduct Authority ('FSCA') (authorisation no. 45052). FxPro Global Markets Ltd is authorised and regulated by the SCB (license no. SIA-F184).

¹Spread Betting is only available to clients of FxPro UK Limited who reside in the United Kingdom. ²Subject to the FxPro Order Execution Policy.

Trade Responsibly. 75.56% of retail investor accounts lose money when trading CFDs and Spread Betting with this provider. You should consider whether you understand how CFDs and Spread Betting work and whether you can afford to take the high risk of losing your money.

FxPro UK Limited is authorised and regulated by the Financial Conduct Authority (registration no. 509956).

#1 Broker in the world**Based on 70+ international awards

fxpro.com

6MARCH 2020

F idelity Personal Investing can help you integrate the financial with the rest of your life. Whether you’re thinking

about buying a house, supporting children through university, starting your own business or enjoying the retirement you deserve, Fidelity is here to help you.

We offer a huge range of investment options – including ISAs and pensions, funds from over 100 providers and online share dealing.

On our website you’ll find guidance and investment selection tools to help you plan ahead. Our range is designed to help everyone from first timers to those with more experience, because we understand that every investor is different.

We also keep you informed, so you can

make better financial decisions year after year. Our experts provide views, opinions and investment information covering the UK and global markets.

Finally, we know there are times when you may need to speak with someone. That’s why we have a UK and Ireland-based phone team on hand, plus a dedicated team of retirement specialists to help with the complex retirement decisions you may face.

Whatever your investing needs, we can help you make the most of your money.

The value of investments can go down as well as up, so you may get back less than you invest.

www.fidelity.co.uk

BEST JUNIOR SIPP PROVIDER &BEST RETIREMENT ADVISER

FIDELITY

ONL I N E P E R SONA LWEA LTHAWARD S2 0 2 0BEST JUNIORSIPP PROVIDER

WINNER

Be ready for whatever life may bring

Issued by Financial Administration Services Limited, authorised and regulated by the Financial Conduct Authority. Fidelity, Fidelity International, the Fidelity International logo and F symbol are trademarks of FIL Limited. UKM0320/26813/CSO9634/0221

Bring your pensions together in a Fidelity Self‑Invested Personal Pension (SIPP) and be better prepared for the future you want.

• Easy to see and manage your retirement savings in one place

• Low cost, so you keep more of your money

• Flexible income options at retirement, with no set up or withdrawal fees

Important Information: The value of investments can go down as well as up so you may get back less than you invest. Withdrawals from a pension product will not normally be possible until you reach age 55. It’s important to understand that pension transfers are a complex area and may not be suitable for everyone. Before going ahead with a pension transfer, we strongly recommend that you undertake a full comparison of the benefits, charges and features offered. To find out what else you should consider before transferring, please read our transfer factsheet. If you are in any doubt whether or not a pension transfer is suitable for your circumstances we strongly recommend that you seek advice from an authorised financial adviser.

We’ll cover up to £500 if your current providers charge exit fees (T&Cs apply).

ISAs Pensions Funds Shares

For more information:0800 028 1819

fidelity.co.uk/sipp-benefitsLines are open Monday to Friday 8am to 6pm

and Saturdays 9am to 2pm

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8MARCH 2020

BEST CUSTOMERSERVICE

Halifax Share Dealing is an award-winning execution-only broker that offers an affordable share dealing

service to investors. With low cost flat rate pricing, its simple, easy to navigate platform offers a wide range of investment options and one of the most affordable Stocks and Shares ISAs in the market.

Halifax Share Dealing offers a free

digital toolkit to help investors make better informed decisions. Those who are new to investing can learn the basics and demystify the stock market, while the digital hub also gives customers the opportunity to research investment ideas, track the performance of their investments and keep up to date with the latest market news.

HALIFAX

Happy days.You voted the Halifax

Best Customer Service 2020

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10MARCH 2020

BEST ADVISORYSERVICE

St. James’s Place is a FTSE 100 company with over £117 billion of client funds under

management providing a range of wealth management solutions from investments to pensions.

Because every client has different needs and aspirations, we offer personalised advice designed specifically for their lifestyle goals and stage of life.

St. James’s Place believe in the face-to-face approach, and offer advice and services for individuals and business owners based on quality and strength in the following areas:

• Life-long relationships with clients and their families

• A radical approach to investment management

• A diverse range of investment funds and portfolios

The St. James’s Place Partnership of over 4,000 financial advisers, are the crucial

link between our company and our clients, forming long-term relationships based on trust and knowledge. We call them Partners because of the way they work with clients and their families.

Our shared ethos is built on a core commitment to helping achieve the best possible outcomes for clients and ensuring that they are well served by our long-term, face-to-face, relationship-based approach to managing their financial affairs.

St. James's Place guarantees the suitability of the advice given by members of the St. James’s Place Partnership when recommending any of the wealth management products and services available from companies in the group, more details of which are set out on the Group’s website at www.sjp.co.uk/products

To find a St. James’s Place adviser near you visit: www.sjp.co.uk

The value of an investment with St. James’s Place will be directly linked to the funds selected and may fall as well as rise. You may get back less than the amount invested.

ST. JAMES'S PLACE

12MARCH 2020

BEST EDUCATION &BEST TRADING TOOLS

Founded in 1999, FXCM is a global leading provider of online Forex, CFD, Crypto and other trading related

services, with offices in the major financial centres of the world.

FXCM offers innovative trading tools and services to traders worldwide, educational resources, award-winning trading platforms, and high-quality 24/5 customer support that aims to provide one of the best online trading experience in the market.

FXCM meets strict financial standards and is regulated by some of the most respected regulatory bodies in the world including the Financial Conduct Authority (FCA) in the United Kingdom with registration number 217689, the Australian Securities and Investments Commission (ASIC) with AFSL

#309763 and the Financial Sector Conduct Authority in South Africa under FSP No 46534.

Traders have access to a variety of trading products including popular Cryptocurrencies, Forex, Indices, Commodities, Treasury, and Stock Baskets. In addition, FXCM offers educational courses, seminars, online videos, webinars and tools such as Economic Calendar, Trading Signals and Market Data. Traders have access to powerful trading platforms including FXCM’s proprietary trading platform, Trading Station for Web, Mobile, and Desktop, FXCM MetaTrader 4 and NinjaTrader. FXCM is a Leucadia Company.

Visit www.fxcm.com for more information.

FXCM

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 69.66% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 69.66% of retail investor accounts lose money whentrading CFDs with this provider. You should considerwhether you understand how CFDs work and whetheryou can afford to take the high risk of losing your money.

www.fxcm.comDISCOVER MORE AT:

Trading signals integrated into Trading Station Web platform

Zero Commission Trading

TRADE BETTER - TRADE WITH FXCM

14MARCH 2020

MOST RELIABLE BROKER

Established in 2014 by traders for traders, Tickmill offers a high-performing trading experience to its global client

base with a focus on fast execution and tight spreads.

Our range of products includes 84 trading instruments, among them major and exotic forex currency pairs, stock indices and WTI, precious metals and bonds. Regulated by the Financial Conduct Authority of the United Kingdom (FCA), the Cyprus Securities and Exchange Commission (CySEC) and the Seychelles Financial Services Authority (FSA), we are committed to providing a transparent and secure trading experience to all our clients.

Supported by one of the most popular trading platforms in the world, the MT4, and a range of cutting-edge trading tools, we empower our clients to reach their full potential, while offering consistent support. Our traders also benefit from our advanced forex education which includes hands-on seminars, as well as webinars and ebooks.

Our mission is to provide retail and institutional traders with an exceptional trading environment in which they can thrive. Our advanced trading platform and reliable service have won Tickmill a number of international awards and industry accolades and have placed Tickmill at the forefront of the retail and institutional forex industry.

Risk Warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 73% of retail investor accounts lose money when trading CFDs with Tickmill UK Ltd. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

TICKMILL

www.tickmill.com

We want traders to succeed

73% of investors lose money when trading CFDs.

Low spreads from 0.0 pips

Enjoy a superiortrading experience

Ultra-fastexecution

Norequotes

All trading strategiesallowed

Regulated by the FCA UK

16MARCH 2020

BEST MOBILEAPPLICATION

FXPRO

Founded in 2006 and servicing clients in 170+ countries, FxPro is an industry-leading online broker offering contracts

for difference (CFDs) and Spread betting¹ on 6 asset classes: Forex, Metals, Energies, Indices, Futures and Shares.

Trading is provided through a variety of desktop, web and mobile platforms, together with competitive trading conditions across 265+ instruments.

As a No Dealing Desk Intervention² broker with a focus on providing superior execution, FxPro boasts exceptional execution statistics, highlighting their ongoing commitment to advanced technology and transparency.

Traders also benefit from an exclusive range of trading tools and market analysis, with 24/5 multilingual customer support.

FxPro consistently receives recognition for the quality of its services, with a trophy cabinet of 70+ UK and international awards to date. For five consecutive years, they have earned the title of ‘Best FX Provider’.

In their latest product development undertaking, FxPro launched an updated FxPro Direct app, an all-in-one solution for which it has been awarded ‘Best Mobile Application’.

Visit FxPro.com for more information.

FxPro UK Limited is authorised and regulated by the Financial Conduct Authority (registration no. 509956 FxPro Financial Services Ltd is authorised and regulated by the Cyprus Securities and Exchange Commission (licence no. 078/07) and authorised by the Financial Sector Conduct Authority ('FSCA') (authorisation no. 45052). FxPro Global Markets Ltd is authorised and regulated by the SCB (license no. SIA-F184).

¹Spread Betting is only available to clients of FxPro UK Limited who reside in the United Kingdom. ²Subject to the FxPro Order Execution Policy.

Trade Responsibly. 75.56% of retail investor accounts lose money when trading CFDs and Spread Betting with this provider. You should consider whether you understand how CFDs and Spread Betting work and whether you can afford to take the high risk of losing your money.

FxPro UK Limited is authorised and regulated by the Financial Conduct Authority (registration no. 509956).

FxPro. Turbocharge your tradingfxpro.com

18MARCH 2020

BEST ADVISORY SERVICEWinner: St James Place BEST ALTERNATIVE INVESTMENT PROVIDERWinner: Syndicate Room BEST ANNUITY SERVICEWinner: Hodge Lifetime BEST BUY TO LET MORTGAGE PROVIDERWinner: Aldermore BEST CFD FX PROVIDERWinner: Forex.com BEST CFD PROVIDERWinner: IG BEST CASH ISAWinner: Aldermore BEST CUSTOMER SERVICEWinner: Halifax Stockbrokers BEST DEALING ACCOUNTWinner: Share Centre BEST ETF PROVIDERWinner: Wisdom Tree BEST EDUCATIONWinner: FXCM BEST EQUITY RELEASE PROVIDERWinner: Hodge Lifetime BEST FX PROVIDERWinner: FxPro BEST FUND GROUPWinner: Baillie Gifford

BEST FUND SUPERMARKETWinner: Hargreaves Lansdown BEST GROWTH FUNDWinner: Slater Growth BEST INCOME FUNDWinner: JOHCM UK Equity Income BEST INVESTMENT TRUST GROUPWinner: Blackrock BEST INVESTMENT TRUST FOR GROWTHWinner: Scottish Mortgage BEST INVESTMENT TRUST FOR INCOMEWinner: Murray Income BEST JUNIOR ISA PROVIDERWinner: BMO BEST JUNIOR SIPP PROVIDERWinner: Fidelity BEST LISA PROVIDERWinner: Onefamily BEST MT4 BROKERWinner: AETOS BEST MT5 BROKERWinner: ActivTrad BEST MOBILE APPLICATIONWinner: FxPro

BEST MULTI-MANAGER FUND PROVIDERWinner: Architas BEST MULTI-MANAGER INVESTMENT TRUSTWinner: BMO F&C BEST NDD FOREX BROKERWinner: Admiral Markets BEST PRIVATE BANKING ACCOUNTWinner: Lloyds Bank BEST PROFESSIONAL TRADING PLATFORMWinner: City Index BEST PROPERTY INVESTMENT SERVICEWinner: Property Partners BEST REITWinner: Segro BEST RETIREMENT ADVISERWinner: Fidelity BEST SIPP PROVIDERWinner: Barclays BEST SAVING PRODUCTWinner: Aldermore BEST SPREAD BETTING PROVIDERWinner: ETX BEST STOCKBROKERWinner: II

BEST STOCKS AND SHARES ISA PROVIDERWinner: IG BEST TABLET APPLICATIONWinner: City Index BEST TRADING ANALYSIS PROVIDERWinner: Forex.com BEST TRADING PLATFORMWinner: eToro BEST TRADING SUPPORTWinner: Saxo Markets BEST TRADING TOOLSWinner: FXCM BEST VALUE BROKERWinner: Intertrader BEST WEALTH INVESTMENT PLATFORMWinner: Nutmeg BEST WEALTH MANAGERWinner: Tilny FINANCIAL INNOVATION OF THE YEARWinner: Trading212 MOST RELIABLE BROKERWinner: Tickmill

OVERALL PERSONAL WEALTH PROVIDERWinner: IG

ROLL OF HONOUR

19MARCH 2020

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SPONSORS

AJ Bell was formed in 1995. We are a profitable public limited company, listed on the Main Market of the London Stock Exchange. AJ Bell Media Limited, the specialist financial publishing company, is also part of AJ Bell. We provide our customers and advisers with a ground-breaking blend of control, investment choice, low-cost delivery and online functionality. As a result, we are now one of the UK’s largest investment platforms, with more than 232,000 customers and assets under administration exceeding £52.3 billion. AJ Bell remains one of the fastest-growing businesses in its sector.

Find out more: www.ajbell.co.uk

Established in the UK in 1983, City Index is one of the world leaders in Spread Betting, FX and CFD Trading.

City Index offers tight spreads on over 12,000 markets across Forex, Indices, Shares and Commodities. With award-winning platforms, powerful trading tools and expert market analysis, we help our traders identify key trading opportunities.

City Index is regulated by the Financial Conduct Authority (FCA) and we are committed to providing a market-leading service based on fair and transparent prices and comprehensive customer support.

Find out more: City Index

20MARCH 2020

SPONSORS

For almost 20 years, FOREX.com has been connecting traders to the potential of the global currency markets. With a proven record of value and reliability, traders benefit from exceptional trading experiences with superior execution and low consistent costs. From powerful, feature-rich platforms to flexible, cutting-edge offerings such as DMA (Direct Market Access), FOREX.com constantly pushes the envelope to provide premium service traders know they can rely on in the fast-paced world of FX trading.

FOREX.com, the retail forex brand of GAIN Capital Holdings, Inc. (NYSE: GCAP) ("GAIN"), provides market access and trade execution services to a diverse customer base of retail and institutional investors across a range of exchange-traded and OTC markets. Founded in 1999, the company today supports customers in over 180 countries via several globally recognized brands, including FOREX.com, City Index and GTX. GAIN Capital is headquartered in Bedminster, New Jersey, with a global presence across North America, Europe and the Asia Pacific regions.

For further company information, visit www.gaincapital.com

Find out more: forex.com

FXCM is a global leading provider of online Forex, CFD, Crypto and other trading related services. FXCM is offering innovative trading tools and services to modern traders worldwide, enhanced execution, award-winning trading platforms and high-quality 24/5 customer support with aim to provide one of the best online trading experience in the market. With this in mind, FXCM's mission is to provide increasing levels of quality pricing, transparency and execution services to its traders. FXCM is meeting strict financial standards and is regulated by some of the most respected regulatory bodies in the world including the Financial Conduct Authority (FCA) in the United Kingdom with registration number 217689, the Australian Securities and Investments Commission (ASIC) with AFSL #309763 and the Financial Sector Conduct Authority in South Africa under FSP No 46534.

Traders have access to a variety of trading products including the most popular Cryptocurrencies, Forex and Forex Baskets, Indices, Commodities, Treasury, and Stock Baskets. In addition, FXCM offers educational courses, seminars, online videos and webinars about trading and provides trading tools such as Economic Calendar, Trading Signals, Market Data, proprietary data and premium resources.

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage.

69.66% of retail investor accounts lose money when trading CFDs with this provider.

You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

Find out more about FXCM

ONL I N E P E R SONA LWEA LTHAWARD S2 0 2 0

21MARCH 2020

ONL I N E P E R SONA LWEA LTHAWARD S2 0 2 0

SPONSORS

FxPro is an award-winning online broker, offering contracts for difference (CFDs) and financial spread betting on forex, futures, shares, indices, metals, energies and cryptos.

Established in 2006 FxPro now provides services to clients from more than 170 countries worldwide.

It gives traders access to competitive pricing and deep liquidity with no dealing desk intervention on four modern trading platforms (MT4, MT5, cTrader, Edge) and superior execution technologies.

FxPro continues to be a strong proponent of transparency, advocating for adoption of fair trading practices across the industry. Its vision is to remain among the world’s leading brokers.

Find out more: FxPro

Established in 1974 as the world's first financial spread betting firm, IG is a global leader in online trading and an emerging force in personal investments

With a strong focus on innovation and technology, IG puts client need at the heart of everything it does – from its award-winning trading platforms to its online share dealing service to its new range of fully managed model investment portfolios. Available in a range of risk profiles, IG Smart Portfolios are built with iShares ETFs by BlackRock, providing diversification across asset classes, sectors and regions.

IG is a member of the FTSE 250, with offices around the world, and was recently named best stocks & shares ISA provider and best overall personal wealth provider in the 2017 Online Personal Wealth Awards.

Find out more: IG