United Kingdom: Investor Types and criteria

Retail Investor

A retail Investor is any investor that does not meet the criteria of a High Net Worth Investor.

 

High Net worth Investor

An individual who meets the requirements set out in Conduct of Business Sourcebook of Financial Conduct Authority COBS 4.12.6 R.

A certified High Net worth Investor is an individual who has signed, within the period of twelve months ending with the day on which the communication is made, a statement in the following terms:

  • I had, throughout the financial year immediately preceding the date below, an annual income to the value of £100,000 or more. Annual income for these purposes does not include money withdrawn from my pension savings (except where the withdrawals are used directly for income in retirement)
  • I held, throughout the financial year immediately preceding the date below, net assets to the value of £250,000 or more. Net assets for these purposes do not include:

(a) the property which is my primary residence or any money raised through a loan secured on that property; or

(b) any rights of mine under a qualifying contract of insurance; or

(c) any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be, entitled; or

(d) any withdrawals from my pension savings (except where the withdrawals are used directly for income in retirement).

 

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