BFS Ltd is not licensed or regulated by the Financial Conduct Authority and does not provide financial advice. We use regulated firms for products and advice depending on your requirements. The value of any investments can go down as well as up and you might not get back what you put in. Some types of investment e.g. property, may not be readily realisable and may take time to sell in view of the nature of the investment. Do not invest unless you have carefully thought about whether you can afford to and whether it is right for you. We strongly recommend that you seek appropriate professional advice before entering into any contract. Only some of the products and companies are regulated by the Financial Conduct Authority or covered by the Financial Services Compensation Scheme, or the Financial Ombudsman Service.