In January, new rules affecting share dealing and investments come into effect. These changes are to simplify share dealing and give better protection to investors. We’ve summarised the main changes and how they will affect you. Firstly, we’ll be making the way we communicate with you clearer and simpler. Before you invest in any of the more complex types of investment we will check that you understand how they work and the risks involved. We’ll also be simplifying the process of opening or adding a new account and giving clearer information about our service. Secondly, we will provide you with more information, more regularly. You will receive statements quarterly, and costs and charges summaries annually. So you’ll know how much you’ve paid us and anyone else, like fund managers. We’ll also provide you with more information about what you can invest in and details of the risks involved. Finally, we’ll be sharing more information about how we try to get you the best deal. Each year we’ll publish details of what proportion of trades were carried out at ‘best execution’ and the top five brokers we used to place trades. This will help you compare providers and make sure you’re getting the best deal. We’ll also need to hold more information about our customers including their nationality and ID details. This is so that we can help regulators fight fraud and financial crime. If we don’t have this information, you may not be able to trade. We hope you now have a better understanding of what the new rules will mean for you, but if you are still unsure, please get in touch.