Periodic Investment Review

The European Investment Services Company
Periodic
Investment
Review
Periodic Personal Investment Review
United Kingdom: +44 (0)333 358 3380

Malta: +356 2776 1094
info@templar-eis.com
Name:
..
Address:
Address:
..
Address:
..
Postcode:
Date:
Dear
Periodic Review: Summary of Personal

Investment Recommendations
Account Numbers
Ref: Novia Sipp Account Investments
Background pages 2-3

Your Recommendation pages 4-5
Implementation pages 6-7
TEMPLAR EIS Ltd (Malta) is licensed to provide investment services by the Malta Financial Services Authority - providing services
throughout the EU. The company’s Malta registered no is C70357. Providing investment services to EU & Global residents.
This United Kingdom Branch is authorised and regulated by the Financial Conduct Authority no. 708100. Providing investment
services to UK residents.
1
Background
T
he purpose of this letter is to confirm whether or not the financial and
investment services you hold continue to be suitable for you or not - and to
recommend any appropriate new investment funds or investment managers,
if applicable.
You have recently answered an investment risk and suitability questionnaire, and we
have provided you with a report based on your answers.
The report has identified an Asset allocation for your portfolio, which is the practice
of diversifying your assets between funds, offering exposure to different asset
classes. Creating the right mix of assets is an important part of the process of
building a portfolio designed to meet your financial objectives.
Our recommended asset allocation, in terms of the investment funds chosen for you
is shown below.
This attitude to risk is considered, when making the new investment

recommendations.
In signing and agreeing to the investment recommendation contained in this report,

you are also accepting that you agree with this level of risk. Hence, please do read
the risk report and get in touch with us if a) you have any queries or b) you think your
risk level should be higher or lower.
Templar Investment Body Investment Research
On behalf of all clients, we continually carry out investment research on

thousands of funds and investment managers to a) check if previously
recommended funds are still the best funds and b) ensure that any new investment
recommendations are the best of breed and appropriate to our clients.
That research has established that for this review, we recommend you change your
investment funds and managers.
Note: This does not mean changing your pension account (Novia) or changing
your trading platform (Novia), it simply means switching funds within your current
Novia account.
2
Investment Recommendation
The funds are selected in conjunction with your asset allocation and aligned your
risk profile.
Funds are chosen by our investment body, which reviews the funds and fund
managers we use for our clients. The body is informed by third party research, which
we purchase, alongside a series of quantitative criteria. All funds are required to have
a minimum criteria before they are considered for selection, although we cannot
guarantee future performance.
Asset Intelligence
In alignment with your attitude to risk we are recommending that moving
forwards your investment funds are managed day to day by Asset Intelligence
(AI), a discretionary fund manager available within the Novia platform.
Asset Intelligence run different strategies or ranges of funds that make up portfolios.
Why Asset Intelligence?

AI will increase the level of oversight over the funds you are invested in, and will
be more active each day in helping to make sure you are allocated to the best
investment funds and the risk of the portfolio is maintained.
As a discretionary fund manager, they have the permission to change any of the
above shown funds without your or our permission, as and when they spot a
necessary change. Hence in the future your invested funds list will change from time
to time.
They are obliged however to maintain your portfolio such that it matches your risk
appetite.
You can find out more about AI here
Templar will continue to monitor AI and confirm on a regular basis if Novia and AI
continue to be suitable for you and competitive in the financial services market.
3
Your Recommendation
Summary Current Arrangement
You currently hold what we call a trading venue or platform within a personal
pension wrapper, each provided by Novia Financial investment platform https://
www.novia-financial.co.uk/
On the trading platform are a number of funds. We have provided you with a
valuation and charges statement as a part of this review. You have 24/7 online access
to view your investment account. If you need help with logging in online, please
contact us.
Suitability of the Novia Platform

(Investment trading facility)
We confirm the Novia facility continues to be suitable for you, is competitive in the
market and continues to be a robust home for your savings.
Risk and Suitability Report

Within this report, regarding your appetite for risk you have been assessed to be Risk
Level .
This guides the range and spread of investments that make up your new portfolio.
The portfolio we have recommended consists today of the funds listed in the table
below.
The asset allocation or how spread of investments for your risk appetite is shown in
column .
4
Whole of Market Portfolios

As of 15/3/2022 20 40 60 80 100
Cash 2.00% 2.00% 2.00% 2.00% 2.50%
Asset Intelligence Defensive
Fund GB00BM9GMF12 39.00% 29.18% 18.87% 7.40%
iShares Overseas Corporate
Bond Index (UK) GB00B58YKH53 8.86% 6.98% 5.16%
iShares UK Gilts All Stocks
Index (UK) GB00B83HGR24 7.41% 3.92% 0.91%
JPM Global Macro Fund C - Net
Accumulation GB00B235HC61 1.98% 2.80% 3.35% 5.75%
L&G Sterling Corporate Bond
Index GB00B4M01C47 5.90% 3.75% 1.44%
RobecoSAM Global SDG Cred-
its GBP Hedged LU1945299961 8.86% 6.98% 5.16% 4.77%
Royal London Sterling Credit GB00B8GJ8S05 5.97% 4.38% 2.90%
Asset Intelligence Growth Fund GB00BM9GMH36 10.00% 21.60% 32.35% 40.50% 40.00%
Baillie Gifford Positive Change
B Acc GB00BYVGKV59 1.72% 2.53%
Brown US Sustainable Growth IE00BF1T6V32 1.40% 1.40% 1.50% 4.30%
ES R&M UK Recovery GB00B614J053 1.24% 2.15% 3.11% 4.12% 5.22%
Harris Associates Global
Concentrated Equity GBP GB00BN405018 1.80% 2.87% 4.34% 6.20% 8.44%
JPM US Equity Income Fund
C - Net Income GB00B3FJQ599 2.50% 3.00% 5.00% 5.00% 8.00%
Liontrust Special Situations GB00B57H4F11 1.22% 2.70% 3.76% 5.00% 6.11%
Man GLG Japan CoreAlpha
Fund Professional Income
Shares (Class D) GB00B3F47512 0.80% 1.30% 2.32% 2.50% 4.90%
Polar Capital Global Tech I Inc IE00B42W4J83 2.50% 4.50%
Royal London Sustainable
Leaders GB00B7V23Z99 1.46% 3.00% 5.44% 6.50% 8.50%
Schroder Income Fund
L Income GBP GB00B5WJCB41 1.00% 2.00% 2.50% 4.54% 5.00%
5
Aggregated Costs and Charges

There are no extra Templar costs for the provision of this review and or any fund
switch works. To help you understand the overall costs of our own and all other
services involved, including these new recommendations, we have provided an
illustration attached.
Implementation
Accepting and Implementing
The Investments Switch Recommendation
Please let us know as soon as possible if you have any questions or concerns
about the advice set out here.
If you wish to proceed with our recommendation, the next actions are as follows:
l Please sign and date this recommendation letter.

l Any necessary Novia documentation, we will send to you for completion.
l We may need to update your proof of identity and address details, in which case
we will contact you.
l You will receive correspondence from the Novia platform, once the funds switch is
completed.
We will set the next review date for one year from now, but feel free to contact us in
the meantime should your circumstances change and or you wish an earlier review
for any reason.
You have a right to change your mind after applying for a financial product,
providing you do so within a set period, known as the cancellation period. You will
find details of the cancellation period for the products I have recommended in the
accompanying product disclosure documents.
6
General Investment Risk Warnings
Your attention is drawn to the following risks which are applicable whichever
funds are invested into:
l The value of any shares or assets and the income from them will rise or fall as the
value of the underlying investments in which your money is invested changes.
l When you sell your investment, you may get back less than you invested.
l Funds may frequently invest in foreign assets. As such movements in exchange
rates may cause the value of your investment to go up or down.
l To obtain the benefit of equity investing, a long-term view is usually advised.
l You should be aware that upon death, your investment may form a part of your
estate.
APPENDICES & Relevant information

A Suitability & Risk assessment report (Sent previously)
B Asset Intelligence Brochure
C Novia online login page (Contact us if you need help)
D New Funds Allocation Illustration (attached)
7
Summary
We have identified your attitude to investment risk, researched the investments
market and confirm this recommendation is suitable for you.
It is important your investments are reviewed regularly, so please do respond to us in
the future and when we contact you.
Should you wish to proceed, we look forward to receiving your confirmation by
return of a signed copy of this letter.
Should you have any queries concerning this report or if you feel any of the above is
an inaccurate reflection of your understanding, please contact us immediately.
Yours sincerely,
James Edwards DipFA, DipPFS, CertPFS(DM),

(Securities)CeMAP, MIFS Director,
TEMPLAR European Investment Services
I confirm receipt of the 2022 Periodic Investment Review: Novia Sipp account
investments, from Templar EIS Ltd.
I agree that the contents of the report and the investment advice recommended,
and wish to proceed as detailed (or with adjustments as noted below)
SIGNED
Name Date:
Adjustments/Notes:
8

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The European Investment Services Company

United Kingdom: +44 (0)333 358 3380

Periodic Review: Summary of Personal

Ref: Novia Sipp Account Investments

Background pages 2-3

This attitude to risk is considered, when making the new investment

In signing and agreeing to the investment recommendation contained in this report,

Templar Investment Body Investment Research

On behalf of all clients, we continually carry out investment research on

Why Asset Intelligence?

You can find out more about AI here

Suitability of the Novia Platform

Risk and Suitability Report

Whole of Market Portfolios

Aggregated Costs and Charges

l Please sign and date this recommendation letter.

General Investment Risk Warnings

APPENDICES & Relevant information

James Edwards DipFA, DipPFS, CertPFS(DM),

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Background pages 2-3

l Please sign and date this recommendation letter.