Canopy Investment Account — Frequently Asked Squeaks

A fictional general investment account holding one made-up woodland fund. Money can go in as a lump sum or a monthly amount and come out at any time, but the value moves with the fund rather than with a rate card. Its story purpose is long-term growth outside a tax wrapper. Everything on this site is fictional; nothing can be applied for.

Yes. It holds a fictional fund that moves every day, so the pages show low, mid and high growth scenarios after charges. The value can end below what was paid in.

0.45% total annual charge; growth not guaranteed, illustrated at 2%, 5%, 8%. The charge is modelled as a deduction from growth.

Opening / maximum balance: £100.00 to £1,000,000.00.

Sell holdings at any time; story proceeds arrive within four working days; the value can fall as well as rise.

Yes. The three fictional investment products hold a made-up fund whose value moves every day, so the pages show low, mid and high growth scenarios after charges rather than a promise. The value can end below the amount paid in.

They hold the same fictional fund; the wrapper differs. The general account has no allowance and no relief. The stocks and shares ISA caps new money at a demo £20,000 a year and applies no tax to growth. The SIPP adds demo tax relief but locks the pot until age 57.

A total annual charge of 0.45% on the account and the ISA and 0.50% on the SIPP, modelled as a deduction from growth. Each product page shows what a 1.00% charge would cost instead.

Every £80 paid in becomes £100 with demo basic-rate relief. Higher-rate relief, employer contributions and allowance tapers are not modelled.

No. It is a cash savings pot with a variable rate that sits in the investments range because of its purpose. It has no growth scenarios and its value cannot fall.