PASSIVE PORTFOLIOS. Our collection of low-cost passive index-tracking portfolios

Size: px
Start display at page:

Download "PASSIVE PORTFOLIOS. Our collection of low-cost passive index-tracking portfolios"

Transcription

1 PASSIVE PORTFOLIOS Our collection of low-cost passive index-tracking portfolios Risk warning: Your capital is at risk. Investments can go down as well as up and you may get back less than you originally invested. As at

2 Cautious Portfolio The aim of the Cautious Portfolio () is to deliver low-cost returns that are a combination of income and capital growth, focusing on capital preservation with a bias towards income growth. It is suitable for investors who wish to take on less risk than the full equity markets and are cautious about equity returns in general. Over the medium to long-term the volatility in this portfolio will be less than equity markets and returns will be closer to inflation, and over time above such data. classes which could include equities, fixed interest, property, commodities, alternatives and cash. From a strategic asset allocation and fund level, the portfolio is monitored and changes made as and when it is deemed necessary to do so. The portfolio is split approximately 55% growth assets and 45% more stable (fixed income) assets. The aim is to re-balance the portfolio quarterly. 4 10% 6% 40% Short dated & Equivalents 44%

3 Balanced Portfolio The aim of the Balanced Portfolio () is to deliver low-cost returns that are a combination of income and capital growth, there is a balance between capital and income growth. It is suitable for investors who wish to take on a good amount of equity market exposure in order to gain investment returns. Over the medium to long-term the volatility in this portfolio will be less than equity markets and returns while will be close to equity markets returns although not fully matching such returns. classes, which could include equities, fixed interest, property, commodities, alternatives and cash. From a strategic asset allocation and fund level, the portfolio is monitored, and changes made as and when it is deemed necessary to do so. The portfolio is split approximately 70% growth assets and 30% more stable (fixed income) assets. The aim is to re-balance the portfolio quarterly. 1 12% 4% 29% Short dated & Equivalents 55%

4 Growth Portfolio The aim of the Growth Portfolio () is to deliver low-cost returns that are a combination of income and capital growth with a strong bias towards capital growth assets. It is suitable for investors who wish to take on a good amount of equity market exposure in order to gain higher investment returns with a focus on capital growth. Over the medium to long-term the volatility in this portfolio will be similar to equity markets, and returns will be close to equity markets returns but may not fully match them over the medium to long-term. classes, which could include equities, fixed interest, property, commodities, alternatives and cash. From a strategic asset allocation and fund level, the portfolio is monitored, and changes made as and when it is deemed necessary to do so. The portfolio is split approximately 80% growth assets and 20% more stable (fixed income) assets. The aim is to re-balance the portfolio quarterly. 4 18% 3% 20% & Equivalents 59%

5 DISCLAIMER: The Information in this document is not intended to influence you in making any investment decisions and should not be considered as advice or a recommendation to invest. Any Information may not be suitable for all investors and investors must make their own investment decisions using their own independent advisors and relevant offering material. Any investment decisions must be based upon an investor's specific financial situation and investment objectives and should be based solely on the information in the relevant offering memorandum. from an investment may fluctuate and the price or value of any financial instruments referenced in this document may rise or fall. Past performance is not necessarily indicative of future results. We assume no responsibility or liability for the correctness, accuracy, timeliness or completeness of the Information. We do not accept any responsibility to update the Information. Any views, opinions or assumptions may be subject to change without notice. Binary Capital Investment Management Ltd is incorporated in England under company number , registered office, 3 Hill Street, London, W1J 5LB. Binary Capital Investment Management Ltd is authorised and regulated by the UK Financial Conduct Authority (reference number ). Principal place of business: 3 Hill Street, London, W1J 5LB, England.

LIFESTYLE SWITCHING YOUR GUIDE

LIFESTYLE SWITCHING YOUR GUIDE LIFESTYLE SWITCHING YOUR GUIDE WHAT IS IT? LIFESTYLE SWITCHING INVOLVES SWITCHING FROM EXISTING FUNDS AND MAKING FUTURE PAYMENTS TO A DIFFERENT FUND OR FUNDS WITHIN YOUR PENSION PLAN AT PRESET TIMES PRIOR

More information

Creative Pension Trust. Understanding how your pension is invested. Investment Guide

Creative Pension Trust. Understanding how your pension is invested. Investment Guide Creative Pension Trust Understanding how your pension is invested Investment Guide INTRODUCTION The Creative Pension Trust ( the Scheme ) is an occupational money purchase pension scheme. It operates as

More information

What are our lifestyle options and how do they work?

What are our lifestyle options and how do they work? What are our lifestyle options and how do they work? A lifestyle option is an investment option that is basically made up of two phases. The first (or growth ) phase aims to grow members pension savings

More information

Securities Finance Regulatory Update BNY MELLON MARKETS 2017

Securities Finance Regulatory Update BNY MELLON MARKETS 2017 Securities Finance Regulatory Update BNY MELLON MARKETS 2017 Disclosures and Disclaimers bnymellon.co m BNY Mellon is the corporate brand of The Bank of New York Mellon Corporation and may be used

More information

The Retirement Account. Investment Fund Summary

The Retirement Account. Investment Fund Summary The Retirement Account Investment Fund Summary This Investment Fund Summary is relevant only if you have selected the Pension Drawdown or Pension Savings options within your Retirement Account. Investing

More information

Workplace Retirement Account University of Reading Pension Scheme

Workplace Retirement Account University of Reading Pension Scheme Workplace Retirement Account University of Reading Pension Scheme Investment guide p2 Workplace Retirement Account Investment guide Workplace Retirement Account Investment guide Contents 4 Choosing how

More information

L&G Multi-Index EUR Funds

L&G Multi-Index EUR Funds October 2017 Legal & General Investment Management L&G EUR Funds October 2017 For Financial Broker use only This is not a consumer advertisement. It is intended for professional financial advisers and

More information

Beyond active vs passive

Beyond active vs passive Beyond active vs passive Barbara Vintcent For professional clients / qualified investors only Why The Art of Indexing? Institutional US domiciled funds: AUM split by ETPs, index and active funds 100% Institutional

More information

Non-Performing Loans & Loan Restructuring as a Growth Opportunity

Non-Performing Loans & Loan Restructuring as a Growth Opportunity Non-Performing Loans & Loan Restructuring as a Growth Opportunity Paschalis Bouchoris New York 12 December 2016 NPE Deleveraging from Banks Balance Sheets to Underpin the Re-direction of Capital Towards

More information

L&G Multi-Index EUR Funds

L&G Multi-Index EUR Funds December 2017 Legal & General Investment Management L&G EUR Funds December 2017 For Financial Broker use only LGIM Ref: RET/0109 Customer-focused proposition SOLUTIONS Managed For You BUILDING BLOCKS Managed

More information

GOVERNED RANGE CAUTIOUS LIFESTYLE STRATEGY (ANNUITY) FACTSHEET

GOVERNED RANGE CAUTIOUS LIFESTYLE STRATEGY (ANNUITY) FACTSHEET GOVERNED RANGE CAUTIOUS LIFESTYLE STRATEGY (ANNUITY) FACTSHEET What is a Lifestyle Strategy? As you approach your retirement date, you'll probably want to reduce your investment risk. This Lifestyle Strategy

More information

CFTC Report Summary Sugar and other Agri-Commodities. Tuesday, 23 January Aggregated Summary of COT Report for Major US Agri Commodities *

CFTC Report Summary Sugar and other Agri-Commodities. Tuesday, 23 January Aggregated Summary of COT Report for Major US Agri Commodities * Commentary SUGAR CFTC Supplemental 16th Jan 218 Tuesday, 23 January 218 A huge increase in the net spec short over the reporting period as 74k lots of selling hit the market down to multi month lows. Commercial

More information

AllianceBernstein Group Personal Pension 2048 Target Date Fund Fund Factsheet 2nd Quarter 2018

AllianceBernstein Group Personal Pension 2048 Target Date Fund Fund Factsheet 2nd Quarter 2018 This factsheet has been produced to provide you with information on this blended fund. It includes information on the investment objective of the fund, where the fund is invested, risk information and

More information

GOVERNED RANGE CAUTIOUS ACTIVE LIFESTYLE STRATEGY FACTSHEET

GOVERNED RANGE CAUTIOUS ACTIVE LIFESTYLE STRATEGY FACTSHEET GOVERNED RANGE CAUTIOUS ACTIVE LIFESTYLE STRATEGY FACTSHEET What is a Lifestyle Strategy? As you approach your retirement date, you'll probably want to reduce your investment risk. This Lifestyle Strategy

More information

GOVERNED RANGE CAUTIOUS LIFESTYLE STRATEGY (DRAWDOWN) FACTSHEET

GOVERNED RANGE CAUTIOUS LIFESTYLE STRATEGY (DRAWDOWN) FACTSHEET GOVERNED RANGE CAUTIOUS LIFESTYLE STRATEGY (DRAWDOWN) FACTSHEET What is a Lifestyle Strategy? As you approach your retirement date, you'll probably want to reduce your investment risk. This Lifestyle Strategy

More information

Momentum Passive Lifestage Portfolio Range

Momentum Passive Lifestage Portfolio Range Momentum Passive Lifestage Portfolio Range The portfolio range has a lifestage model which allows a member of a retirement fund to switch from a more aggressive investment portfolio with longer terms to

More information

Capital Protected certificate linked to the STOXX Europe Low Beta High Div 50 Index

Capital Protected certificate linked to the STOXX Europe Low Beta High Div 50 Index 1 SP 679342 Product Description This Certificate is linked to the STOXX Europe Low (the Underlying) a is USD denominated with a maturity of 5 Years. At Maturity ( Settlement Date ), an investor will receive

More information

MiFIR Indirect Clearing and the LME

MiFIR Indirect Clearing and the LME MiFIR Clearing and the LME Classification: Public for LME/C community Date 20 October 2017 SETTING THE GLOBAL STANDARD Clearing and the LME Member firms have requested clarification as to whether indirect

More information

Changes to your Defined Contribution Pension Plan

Changes to your Defined Contribution Pension Plan February 2017 Changes to your Defined Contribution Pension Plan We will be making changes to New Ireland s lifestyling funds, IRIS and Passive IRIS, commencing at the end of March 2017. In addition, we

More information

GOVERNED RANGE BALANCED LIFESTYLE STRATEGY (ANNUITY) FACTSHEET

GOVERNED RANGE BALANCED LIFESTYLE STRATEGY (ANNUITY) FACTSHEET GOVERNED RANGE BALANCED LIFESTYLE STRATEGY (ANNUITY) FACTSHEET What is a Lifestyle Strategy? As you approach your retirement date, you'll probably want to reduce your investment risk. This Lifestyle Strategy

More information

Yield curve and credit spreads signal low US recession risk

Yield curve and credit spreads signal low US recession risk = Yield curve and credit spreads signal low US recession risk Many market participants are fearful that the narrowing gap between the yield on the 10-year and 2-year Treasury notes signals that the US

More information

Choosing investment funds. 1of24

Choosing investment funds. 1of24 Choosing investment funds 1of24 2of24 Contributions paid into a pension plan are used to buy units in one or more of Clerical Medical s investment funds. The amount of pension eventually received will

More information

CFTC Report Summary Sugar and other Agri-Commodities. Monday, 09 January Aggregated Summary of COT Report for Major US Agri Commodities *

CFTC Report Summary Sugar and other Agri-Commodities. Monday, 09 January Aggregated Summary of COT Report for Major US Agri Commodities * Monday, 9 January 217 Commentary SUGAR CFTC Supplemental 3 rd January 217 The COT as of the 3rd January showed the funds/specs had increased their net long position by 19,532 to 149,628. This was the first

More information

Buck Global Investment Advisors at Xerox Directed Consulting

Buck Global Investment Advisors at Xerox Directed Consulting Buck Global Investment Advisors at Xerox Directed Consulting Directed Consulting takes a streamlined approach, providing direct and proactive recommendations on asset allocation and investment manager

More information

MPS Passive Plus. Your Investment Solution

MPS Passive Plus. Your Investment Solution MPS Passive Plus Your Investment Solution Contents A little bit about us 3 How Passive Plus can benefit you 4 What s the Plus in Passive Plus? 5 Five portfolios for you to choose from 6 Access to expert

More information

GOVERNED RANGE BALANCED LIFESTYLE STRATEGY (DRAWDOWN) FACTSHEET

GOVERNED RANGE BALANCED LIFESTYLE STRATEGY (DRAWDOWN) FACTSHEET GOVERNED RANGE BALANCED LIFESTYLE STRATEGY (DRAWDOWN) FACTSHEET What is a Lifestyle Strategy? As you approach your retirement date, you'll probably want to reduce your investment risk. This Lifestyle Strategy

More information

UBS Absolute Return Giving you confidence in your financial decisions, in all market conditions.

UBS Absolute Return Giving you confidence in your financial decisions, in all market conditions. UBS Absolute Return Giving you confidence in your financial decisions, in all market conditions. How can you benefit from positive investment returns in a risk-controlled fashion? UBS Absolute Return.

More information

Multi-Asset Funds (MAFS)

Multi-Asset Funds (MAFS) Multi-Asset Funds (MAFS) A range of great value, ready-made funds designed to suit your attitude to risk Customer brochure Retirement Investments Insurance We want to make investments simpler and more

More information

Xtrackers iboxx EUR Corporate Bond Yield Plus UCITS ETF. Supplement to the Prospectus

Xtrackers iboxx EUR Corporate Bond Yield Plus UCITS ETF. Supplement to the Prospectus Xtrackers iboxx EUR Corporate Bond Yield Plus UCITS ETF Supplement to the Prospectus This Supplement contains information in relation to Xtrackers iboxx EUR Corporate Bond Yield Plus UCITS ETF (the Fund

More information

Capacity for Loss Guide

Capacity for Loss Guide RUSSELL INVESTMENTS DUE DILIGENCE Capacity for Loss Guide May 1 A client s ability to absorb falls in the value of their investment. If any loss of capital would have a materially detrimental effect on

More information

Investors must read the important risk factors and disclaimers at the end of this document.

Investors must read the important risk factors and disclaimers at the end of this document. 1 Product Description The Certificate is linked to the performance of the Intesa Sanpaolo share. Every year, if the share is at or above 100% of its Initial Reference Level, the Certificate early redeems

More information

6 Y EUR Phoenix Autocallable Certificate linked to FTSE MIB 1 / 6

6 Y EUR Phoenix Autocallable Certificate linked to FTSE MIB 1 / 6 1 / 6 SP 629481 Product Description This Certificate is linked to the FTSE MIB index (the "Underlying") and is EUR denominated with a maturity of 6 Years.On each Observation Date t (from year 1 to year

More information

Pension Fund August 2018

Pension Fund August 2018 Pension Fund August 2018 Aviva Pension AXA Wealth Elite Cautious Managed EP S3 This factsheet provides factual information only. The information shown should not be used in isolation for making buying

More information

5 Years EUR Phoenix Autocallable Certificate linked to FTSE MIB

5 Years EUR Phoenix Autocallable Certificate linked to FTSE MIB 1 / 6 SP 694952 Product Description This Certificate is linked to the FTSE MIB (the "Underlying") and is EUR denominated with a maturity of 5Years. On each Observation Date t, if the level of the Underlying

More information

Choosing investment funds Lifestyle Investment Programmes

Choosing investment funds Lifestyle Investment Programmes Choosing investment funds Lifestyle Investment Programmes Contents 1 Introduction Lifestyle investment programmes How do these programmes work? 5 Why the Retirement Protection Fund and the Halifax Fund?

More information

How contributions are invested

How contributions are invested How contributions are invested This guide explains how contributions will be invested. Please read it alongside the Key features document. This guide was produced in September 2017. Contents Where are

More information

Risk Disclosure Notice

Risk Disclosure Notice Risk Disclosure Notice 1. General 1.1 In this Risk Disclosure Notice, "we", "our" or "us" shall mean VARIANSE, where VARIANSE is a trading name of VIBHS Financial Ltd, a company registered in England and

More information

Private Client Application Form

Private Client Application Form Private Client Application Form For the Discretionary Portfolio Service via a Financial Advisor Pension Schemes such as SIPPs and SSAS Part A (and C) To be completed by the member Please complete and return

More information

November 2018 King & Shaxson Ethical Cautious Portfolio

November 2018 King & Shaxson Ethical Cautious Portfolio Ethical Cautious Portfolio Portfolio Underlying Fund Charges (Generic) 0.72% 3rd quarter reporting and at the start of and interim results period meaning there is a significant amount of corporate we would

More information

Your AVC Plan, Your Choice Investment Choice Guide for Public Sector Employees

Your AVC Plan, Your Choice Investment Choice Guide for Public Sector Employees Your AVC Plan, Your Choice Investment Choice Guide for Public Sector Employees taking care of you... 2 Contents Investing Your Additional Voluntary Contributions 4 Why Investment Choice Is Important 6

More information

Citi FTSE 100 Defensive Autocall Plan 10

Citi FTSE 100 Defensive Autocall Plan 10 Citi FTSE 100 Defensive Autocall Plan 10 This Plan is designed to repay your initial investment and deliver a return dependent on the performance of the FTSE 100. Important: This must be read with: Dura

More information

Citi FTSE 100 Defensive Autocall Plan 12

Citi FTSE 100 Defensive Autocall Plan 12 Citi FTSE 100 Defensive Autocall Plan 12 This Plan is designed to repay your initial investment and deliver a return dependent on the performance of the FTSE 100. Important: This must be read with: Dura

More information

Firth Rixson Retirement Benefit Plan Growth Fund Fund Factsheet 4th Quarter 2017

Firth Rixson Retirement Benefit Plan Growth Fund Fund Factsheet 4th Quarter 2017 This factsheet has been produced to provide you with information on this blended fund. It includes information on the investment objective of the fund, where the fund is invested, risk information and

More information

Lever Court Liverpool Floor Plans

Lever Court Liverpool Floor Plans Lever Court Liverpool Floor Plans Car Park Level -004 Car Park Level -003 & -002 D commercial unit Z fuse Class AT,A3, A4, A5 and BI) commercial unit 3 fuse Class A l,a3,a4, A5 and Blf retail vent retauvent

More information

AllianceBernstein Group Personal Pension 2033 Target Date Fund Fund Factsheet 1st Quarter 2018

AllianceBernstein Group Personal Pension 2033 Target Date Fund Fund Factsheet 1st Quarter 2018 This factsheet has been produced to provide you with information on this blended fund. It includes information on the investment objective of the fund, where the fund is invested, risk information and

More information

Citi FTSE 100 Autocall Plan 19

Citi FTSE 100 Autocall Plan 19 This Plan is designed to repay your initial investment and deliver a return dependent on the performance of the FTSE 100. Important: This must be read with: Dura Capital Terms & Conditions Dura Capital

More information

HSBC GIF Managed Solutions - Asia Focused Growth Quarterly fund report Q2 2014

HSBC GIF Managed Solutions - Asia Focused Growth Quarterly fund report Q2 2014 HSBC GIF Managed Solutions - Asia Quarterly market review Most global stock markets continued to make progress during 2Q 2014, such that the MSCI World Index has now risen for four consecutive quarters.

More information

RETIREMENT ACCOUNT GOVERNED INVESTMENT STRATEGIES. Client Guide

RETIREMENT ACCOUNT GOVERNED INVESTMENT STRATEGIES. Client Guide RETIREMENT ACCOUNT GOVERNED INVESTMENT STRATEGIES Client Guide CHOOSING SCOTTISH WIDOWS RETIREMENT ACCOUNT OUR RETIREMENT ACCOUNT OFFERS YOU: FLEXIBILITY Retirement Account can hold both pre (Retirement

More information

SPDR MSCI Europe Small Cap UCITS ETF

SPDR MSCI Europe Small Cap UCITS ETF SSGA SPDR ETFs Europe II Plc 16 May 2018 SPDR MSCI Europe Small Cap UCITS ETF Supplement No. 6 (A sub-fund of SSGA SPDR ETFs Europe II plc (the Company ) an open-ended investment company constituted as

More information

Express worst of Autocallable Certificate on Intesa

Express worst of Autocallable Certificate on Intesa 1 SP 763596 Product Description The Certificate is linked to the performance of Intesa Generali and the FTSE MIB Index. Every year, if worst of the Underlying stocks is above 100% of its Initial Reference

More information

Lifestyle Strategies from Aviva

Lifestyle Strategies from Aviva Lifestyle Strategies from Aviva Together with our full range of investment funds, we also offer a choice of Lifestyle strategies for our pension customers. Lifestyling is a very simple concept designed

More information

SPDR MSCI World Consumer Discretionary UCITS ETF

SPDR MSCI World Consumer Discretionary UCITS ETF SSGA SPDR ETFs Europe II Plc 16 May 2018 SPDR MSCI World Consumer Discretionary UCITS ETF Supplement No. 38 (A sub-fund of SSGA SPDR ETFs Europe II plc (the Company ) an open-ended investment company constituted

More information

Chapter 4.1. Market Rotations

Chapter 4.1. Market Rotations 1 Chapter 4.1 Market Rotations 0 Contents MARKET ROTATIONS Stock markets ebb and flow as investors move their money in and out of the markets themselves as well as in and out of various sectors within

More information

HSBC GIF Managed Solutions - Asia Focused Income Quarterly fund report Q2 2014

HSBC GIF Managed Solutions - Asia Focused Income Quarterly fund report Q2 2014 HSBC GIF Managed Solutions - Asia Quarterly market review Most global stock markets continued to make progress during 2Q 2014, such that the MSCI World Index has now risen for four consecutive quarters.

More information

My LV= Pension Plan UK Shares Fund XE Fund Factsheet 2nd Quarter 2018

My LV= Pension Plan UK Shares Fund XE Fund Factsheet 2nd Quarter 2018 This factsheet has been produced to provide you with information on this blended fund. It includes information on the investment objective of the fund, where the fund is invested, risk information and

More information

EAB European Property Fund LP Fact Sheet

EAB European Property Fund LP Fact Sheet Key features Fund size: Capital investment: Fund structure: 125 million (utilising third party leverage of around 60% on Capital invested) 50 million will be the maximum equity investment in the Fund,

More information

SPDR MSCI World Energy UCITS ETF

SPDR MSCI World Energy UCITS ETF SSGA SPDR ETFs Europe II Plc 8 January 2018 SPDR MSCI World Energy UCITS ETF Supplement No. 40 (A sub-fund of SSGA SPDR ETFs Europe II plc (the Company ) an open-ended investment company constituted as

More information

SPDR MSCI World Technology UCITS ETF

SPDR MSCI World Technology UCITS ETF SSGA SPDR ETFs Europe II Plc 8 January 2018 SPDR MSCI World Technology UCITS ETF Supplement No.45 (A sub-fund of SSGA SPDR ETFs Europe II plc (the Company ) an open-ended investment company constituted

More information

PRIME Funds. The next generation of passive funds

PRIME Funds. The next generation of passive funds PRIME Funds The next generation of passive funds Contents Introduction... 2 PRIME Funds At a Glance... 3 PRIME Funds... 4 How PRIME Funds Aim To Achieve Returns... 5 PRIME Funds & Risk Categories... 6

More information

Private Client Application Form

Private Client Application Form Private Client Application Form For the Discretionary Portfolio Service via a Financial Advisor - Trusts and Settlements Please complete and return to: Private Client Intermediary Team, Canaccord Genuity

More information

SPDR MSCI Europe Energy UCITS ETF

SPDR MSCI Europe Energy UCITS ETF SSGA SPDR ETFs Europe II Plc 16 May 2018 SPDR MSCI Europe Energy UCITS ETF Supplement No. 11 (A sub-fund of SSGA SPDR ETFs Europe II plc (the Company ) an open-ended investment company constituted as an

More information

The Retirement Account

The Retirement Account The Retirement Account Technical Summary Structure Personal Pension Scheme written under flexi access drawdown rules. Can accept transfer payments only, no regular or single contributions. PS can be held

More information

SPDR MSCI Europe Consumer Discretionary UCITS ETF

SPDR MSCI Europe Consumer Discretionary UCITS ETF SSGA SPDR ETFs Europe II Plc 8 January 2018 SPDR MSCI Europe Consumer Discretionary UCITS ETF Supplement No. 9 (A sub-fund of SSGA SPDR ETFs Europe II plc (the Company ) an open-ended investment company

More information

BH-DG Systematic Trading LLP

BH-DG Systematic Trading LLP Commodity Trading Advisors (CTAs) provide advice and services related to trading and investment strategies utilizing futures contracts and options on futures contracts on a wide variety of physical goods

More information

SPDR MSCI Europe Consumer Discretionary UCITS ETF

SPDR MSCI Europe Consumer Discretionary UCITS ETF SSGA SPDR ETFs Europe II Plc 20 March 2017 SPDR MSCI Europe Consumer Discretionary UCITS ETF Supplement No. 9 (A sub-fund of SSGA SPDR ETFs Europe II plc (the Company ) an open-ended investment company

More information

HSBC International Select Fund. Multimanager solutions

HSBC International Select Fund. Multimanager solutions HSBC International Select Fund Multimanager solutions Introduction About HSBC Multimanager This insert outlines funds managed by HSBC Multimanager and offered to you via the HSBC International Select Fund.

More information

SPDR MSCI Europe Communication Services UCITS ETF

SPDR MSCI Europe Communication Services UCITS ETF SSGA SPDR ETFs Europe II Plc 30 November 2018 SPDR MSCI Europe Communication Services UCITS ETF Supplement No. 16 (A sub-fund of SSGA SPDR ETFs Europe II plc (the Company ) an open-ended investment company

More information

Triodos Bank. Key facts about our Base Rate Linked business loans.

Triodos Bank. Key facts about our Base Rate Linked business loans. Triodos Bank. Key facts about our Base Rate Linked business loans. About this document This document explains the key features of the Base Rate Linked loans we typically offer. These features are explained

More information

SPDR MSCI Europe Financials UCITS ETF

SPDR MSCI Europe Financials UCITS ETF SSGA SPDR ETFs Europe II Plc 16 May 2018 SPDR MSCI Europe Financials UCITS ETF Supplement No. 12 (A sub-fund of SSGA SPDR ETFs Europe II plc (the Company ) an open-ended investment company constituted

More information

The Retirement Account

The Retirement Account The Retirement Account Technical summary Key: TRA = The Retirement Account PD = Pension Drawdown (crystallised) PS = Pension Savings (uncrystallised) GA = Guaranteed Annuity Structure Personal Pension

More information

RISK DISCLOSURE. Table&of&Contents&

RISK DISCLOSURE. Table&of&Contents& Table&of&Contents& 1.# General#...#2# 2.# Futures#...#2# 3.# Options#...#2# 4.## Contracts#for#Differences#...#3# 5.# Off:exchange#Transactions#in#Derivatives#...#3# 6.# Foreign#Markets#...#4# 7.# Contingent#Liability#Investment#Transactions#...#4#

More information

Lloyd's Register Superannuation Fund Association Pre Retirement Fund Fund Factsheet 2nd Quarter 2018

Lloyd's Register Superannuation Fund Association Pre Retirement Fund Fund Factsheet 2nd Quarter 2018 This factsheet has been produced to provide you with information on this blended fund. It includes information on the investment objective of the fund, where the fund is invested, risk information and

More information

Trade a directional bias with a limited and identifiable risk exposure. Protect and preserve investment capital.

Trade a directional bias with a limited and identifiable risk exposure. Protect and preserve investment capital. Disclaimer The views and opinions expressed in this presentation reflect those of the individual authors/presenters only and do not represent in any way Bourse de Montréal Inc. s (the Bourse ) opinion

More information

HSBC World Selection Portfolios

HSBC World Selection Portfolios HSBC World Selection Portfolios Broad diversification through one single investment Introduction At HSBC we believe a multi-asset approach is important when creating a sound financial strategy. HSBC World

More information

Employees. The Creative Pension Trust. Understanding how your pension is invested

Employees. The Creative Pension Trust. Understanding how your pension is invested Employees The Creative Pension Trust Understanding how your pension is invested Introduction The Creative Pension Trust ( the Scheme ) is an occupational money purchase pension scheme. It operates as a

More information

Lloyd's Register Superannuation Fund Association Fixed Income Fund Fund Factsheet 1st Quarter 2018

Lloyd's Register Superannuation Fund Association Fixed Income Fund Fund Factsheet 1st Quarter 2018 This factsheet has been produced to provide you with information on this blended fund. It includes information on the investment objective of the fund, where the fund is invested, risk information and

More information

PENSION INVESTMENT APPROACHES GUIDE

PENSION INVESTMENT APPROACHES GUIDE PENSION INVESTMENT APPROACHES GUIDE OUR COMMITMENT TO YOU We want to do everything we can to help you achieve what you need from your plan. Aiming for investment growth is vital, but we believe we have

More information

US Tax Reform YOUR QUESTIONS ANSWERED

US Tax Reform YOUR QUESTIONS ANSWERED US Tax Reform YOUR QUESTIONS ANSWERED 2 The changes to the tax code have driven many corporate entities to reexamine their tax strategies and the associated impacts. Seizing the Tax Reform Opportunity

More information

IMS. Risk Profiler Investec Investment Management Services. Name: Financial adviser: Risk profile prepared by:

IMS. Risk Profiler Investec Investment Management Services. Name: Financial adviser: Risk profile prepared by: Risk Profiler Name: Financial adviser: Risk profile prepared by: This document or any of its content may not be in whole or in part, be copied, modified, distributed, retransmitted, redistributed, or released

More information

Introducing The Square Mile Managed Portfolio Service

Introducing The Square Mile Managed Portfolio Service Introducing The Square Mile Managed Portfolio Service www.squaremileresearch.com Follow us: @SquareMileICR Square Mile Investment Consulting & Research Limited INVESTMENT SERVICES SQUAREMILE MILE S MANAGED

More information

Goodbody Dividend Income Fund Suite

Goodbody Dividend Income Fund Suite For Financial Advisors Only Goodbody Asset Management Goodbody Dividend Income Fund Suite Multi-asset Real return focus Goodbody Asset Management is passionate about delivering strong investment performance

More information

Teachers AVC Amendment form

Teachers AVC Amendment form Teachers AVC Teachers AVC Amendment form Printed form Please use black ink and write in CAPITAL LETTERS or tick as appropriate. Any corrections must be initialled. Please do not use correction fluid as

More information

HY markets a closer look under the hood

HY markets a closer look under the hood HY markets a closer look under the hood Despite a recent wobble, global leveraged credit markets, at first glance, appear to be in a relatively sound place. But on closer inspection, the entire high yield

More information

Guide to Investment Objectives and Risk Classification

Guide to Investment Objectives and Risk Classification Guide to Investment Objectives and Risk Classification www.bham.co.uk Investment rarely, if ever, provides guaranteed returns. There are many variables which can affect the performance of a portfolio

More information

Internet of Things & Sustainability Survey Results

Internet of Things & Sustainability Survey Results The Environmental Technologies Fund Internet of Things & Sustainability Survey Results August 2016 Contents About ETF Partners 3 Overview and Key Findings Questions and Responses Respondent Classification

More information

Citi FTSE/EuroStoxx Defensive Autocall Plan 9

Citi FTSE/EuroStoxx Defensive Autocall Plan 9 Citi FTSE/EuroStoxx Defensive Autocall Plan 9 This Plan is designed to deliver a return dependent on the performance of the FTSE 100 and EuroStoxx 50. Important: This must be read with: Dura Capital Terms

More information

REDUCE RISK TARGET RETURNS. Diversified Strategies for DC

REDUCE RISK TARGET RETURNS. Diversified Strategies for DC REDUCE RISK TARET RETURNS Diversified Strategies for DC Diversified Strategies for DC WHY DIVERSIFY? any defined contribution (DC) schemes aim to help members target more stable performance and counter

More information

Royal Ordnance Pension Scheme. Your investment choices

Royal Ordnance Pension Scheme. Your investment choices Royal Ordnance Pension Scheme Your investment choices Contents 02 Important information you should read 05 Guidance notes 08 Where you can invest your money 09 Lifestyle Profiles 13 Core fund range This

More information

Guide to Risk and Investment - Novia

Guide to Risk and Investment - Novia www.canaccord.com/uk Guide to Risk and Investment - Novia This document is important. Its purpose is to help with understanding investment in financial markets, the associated risks and the potential returns.

More information

5 Years EUR Phoenix Autocallable Certificate linked to Generali 1 / 7

5 Years EUR Phoenix Autocallable Certificate linked to Generali 1 / 7 1 / 7 SP 727203 Product Description This Certificate is linked to the Generali share (the "Underlying") and is EUR denominated with a maturity of 5Years. On each Observation Date t, if the level of the

More information

True Potential Investor Pension Quick Facts

True Potential Investor Pension Quick Facts True Potential Investor Pension Quick Facts What is a personal pension? A personal pension is a financial product designed to help you save for your retirement. Pensions are tax-efficient, allowing you

More information

BAE SYSTEMS PENSIONS BECAUSE PLANNING IS PART OF THE JOURNEY AVC GUIDE MARCH 2015

BAE SYSTEMS PENSIONS BECAUSE PLANNING IS PART OF THE JOURNEY AVC GUIDE MARCH 2015 BAE SYSTEMS PENSIONS BECAUSE PLANNING IS PART OF THE JOURNEY AVC GUIDE MARCH 2015 CONTENTS Paying AVCs 3 I know what I can afford to pay, but is it enough? 4 What should you be aiming to achieve through

More information

Chart of the week. Encouraging trend for earnings estimates

Chart of the week. Encouraging trend for earnings estimates Chart of the week Encouraging trend for earnings estimates Analysts estimates for company earnings are typically somewhat too optimistic at the start of the year, and tend to be lowered in light of incoming

More information

THE POWER OF INDEXES: COMPARING DIVERSIFIED PORTFOLIOS OF INDEX FUNDS WITH PORTFOLIOS OF ACTIVELY MANAGED FUNDS

THE POWER OF INDEXES: COMPARING DIVERSIFIED PORTFOLIOS OF INDEX FUNDS WITH PORTFOLIOS OF ACTIVELY MANAGED FUNDS THE POWER OF INDEXES: COMPARING DIVERSIFIED PORTFOLIOS OF INDEX FUNDS WITH PORTFOLIOS OF ACTIVELY MANAGED FUNDS Sponsored by A STUDY OF STRATEGY, PROBABILITY AND PAYOUT Richard A. Ferri, CFA, Portfolio

More information

How to index invest in the new world

How to index invest in the new world How to index invest in the new world Pollyanna Rhodes BlackRock Selecting Best Beta Pollyanna Rhodes October 2012 FOR FINANCIAL PROFESSIONAL USE ONLY. NOT TO BE RELIED UPON BY INDIVIDUAL INVESTORS. 1 Agenda

More information

Fund Guide. Combined Nuclear Prudential Money Purchase Plan. This document may also be referred to as A guide to fund options or Key Features Appendix

Fund Guide. Combined Nuclear Prudential Money Purchase Plan. This document may also be referred to as A guide to fund options or Key Features Appendix Fund Guide Combined Nuclear Prudential Money Purchase Plan This document may also be referred to as A guide to fund options or Key Features Appendix Fund Guide Combined Nuclear Prudential Money Purchase

More information

DLA Piper UK Pension Scheme Multi-Asset Blended Fund Fund Factsheet 2nd Quarter 2018

DLA Piper UK Pension Scheme Multi-Asset Blended Fund Fund Factsheet 2nd Quarter 2018 This factsheet has been produced to provide you with information on this blended fund. It includes information on the investment objective of the fund, where the fund is invested, risk information and

More information

Indikatives Termsheet Express Zertifikat: Allianz AG mit 80% Barriere

Indikatives Termsheet Express Zertifikat: Allianz AG mit 80% Barriere 1 / 1 SP 756433 Product Description This Certificate is linked to the Total Share (the "Underlying") and is EUR denominated with a maturity of 5 Years. On each Observation Date t, if the level of the Underlying

More information

DEFAULT INVESTMENT OPTIONS FOR AUTO ENROLMENT

DEFAULT INVESTMENT OPTIONS FOR AUTO ENROLMENT DEFAULT INVESTMENT OPTIONS FOR AUTO ENROLMENT All auto enrolment schemes need to have an appropriate default investment in place. In order to promote good practice when selecting an appropriate default,

More information