Useful telephone numbers

Association of Unit Trust and Investment Funds offers a free guide to investors in jargon-free language. Call 0181-207 1361.

Association of Investment Trust Companies represents investment trust funds. Call 0171-431 5222.

Baronworth Investment Services, independent advisers, produce a free guide of companies willing to hold windfall shares in their PEP. Call 0181-518 1258. A similar guide is available through DBS Financial Management, a national network of independent advisers. Call 01484 422224.

For details of an independent financial adviser (IFA) near you, call IFA promotion on 0117 972 3333.