investing with Old Mutual Wealth
|
|
- Austin Harrell
- 6 years ago
- Views:
Transcription
1 investing with Old Mutual Wealth YOUR FINANCIAL JOURNEY CASH BONDS PROPERTY E Q U I T Y investments pensions PROTECTION We ll help you get there
2 Old Mutual Wealth is the leading wealth management business in the UK. Our aim is to help people achieve their financial goals in order to create prosperity for the generations of today and tomorrow. In this brochure we outline what we can offer you and what it s like to invest with us. 2
3 contents You and your adviser 4 How does Old Mutual Wealth fit in? 5 Starting your journey 6 Your vision of the future 7 Growing your INVESTMENTS 8 Working for you 10 OUR INVESTMENT PRODUCTS 11 The cost of your investment 12 With you for life 13 You re in control 14 Relax, you re in good hands 15 3
4 you and your adviser Welcome to Old Mutual Wealth. You may have heard of us already or you may be new to us. You can only invest with us through a financial adviser as we believe that you can best achieve your goals by receiving professional advice. The way we do things is based around the principle of a three-way relationship between you, your adviser and Old Mutual Wealth. Your financial adviser must understand your needs in order to recommend the right course of action, so it s important you have a close working relationship with them. Once they have a detailed understanding of your needs, they will provide advice on the way to achieve your goals. If you wish, they ll then continue to monitor the performance of your chosen investments over time, giving you regular updates and recommending any changes that may be necessary as your needs, and the market, change. OLD MUTUAL WEALTH how we work YOU YOUR ADVISER find out more: Please visit to discover how a financial adviser could help you achieve your financial goals. 4
5 how does Old Mutual Wealth fit in? Our aim is to make your financial goals achievable. We do this by giving you and your financial adviser workable solutions to meet your needs. A strong and stable backing for your investment When you invest you want to know your money is being well looked after. The more financially secure and established a company is, the less chance there is of it being unable to meet its financial liabilities. You can be reassured that Old Mutual Wealth is a well-run, successful company. Old Mutual Wealth Limited is a leading wealth management business in the UK and internationally. We provide platform-based investments including ISAs, bonds, pensions and life assurance, all underpinned by a choice of investments and ways to monitor and manage them online, with the help of your financial adviser. Our offering also includes asset management solutions and discretionary management. With billion in assets under management (as at 31 Dec 2017), our aim is to help create prosperity for the generations of today and tomorrow. find out more: You can find out more about how your money is protected when you invest with Old Mutual Wealth in our Protecting your money document. Please ask your financial adviser for a copy. 5
6 starting your journey Whatever you want to achieve, Old Mutual Wealth provides simple ways to create solutions for your individual investment needs. Our investment solutions are designed to give you and your financial adviser the power to determine an investment formula which is right for you, based on your long-term goals, circumstances and attitude to risk. We put you in control by letting you see your investments with us in one place and helping you understand the strategy that lies behind them so you can plan for the future you want, not just hope for the best. WHAT ARE YOUR FINANCIAL GOALS? I want to enjoy life and do the things I ve planned I want to understand how my investments work and how much they cost I want the power to take control of my financial future 6
7 Your vision of the future One of your key objectives is likely to be to maximise the growth on your investments during the years that you have an income then to ensure you have the flexibility to use the proceeds in a way that suits you, while your investments continue to work for you. Investment products (such as pensions, ISAs and bonds) are designed to maximise tax advantages in order to achieve different aims. Yet they all have one thing in common: they provide a way for you to invest in your chosen funds. It s the performance of these investment funds that will ultimately dictate how much profit or loss you will make. A fund pools together the money from individual investors Using their experience, the manager will aim to grow investors money what is a fund? The money is managed by a fund manager CASH BONDS PROPERTY E Q U I T Y The manager may invest in different assets (see page 8) How are modern investments more flexible? Financial services used to be dominated by products that promised to deliver an outcome at the end of a given term. There was little opportunity to change investments or structure during the investment term. The new model for investing recognises that your aims and attitudes to risk change over time; so it makes it easy for you to move funds quickly and for minimal cost. It allows you to do this without compromising on choice and flexibility of the funds available. 7
8 growing your INVESTMENTS All investments carry a degree of risk, and your financial adviser will discuss with you how much risk you are willing and able to take before recommending a suitable portfolio of funds. Depending on what they invest in, funds are categorised under a number of major asset classes. Different types of assets will perform better or worse in different situations. Your financial adviser may suggest that you change (or switch ) your investment funds at different times to meet your needs. One of the best ways to manage risk is through diversification in other words, spreading your investment between different asset classes. That way, if one of your investments is underperforming, its losses can be balanced by gains from another. The beauty of investing with Old Mutual Wealth is that, while you and your financial adviser can manage your whole portfolio centrally, you still have access to more than 1,600 funds in a variety of asset classes. Funds to power your Old Mutual Wealth investment are available through two ranges: WealthSelect or SelfSelect. You can read more about these on the next page. Your financial adviser will help you choose the right fund(s) from the right range for you. Fund performance is never guaranteed, and you should be conscious that the value of your investments may fall as well as rise and you may not get back what you put in. find out more: You can read more about investing on our website, 8
9 WHICH FUND RANGE? WealthSelect SelfSelect A hand-picked range of around 60 funds from 13 high quality and well-known fund managers. FUNDS Access to funds across all the major asset classes. Your portfolio can be designed by your adviser using handpicked funds from the WealthSelect range. Alternatively, our Managed Portfolio Service is available at no extra cost. portfolios SelfSelect provides access to a wide range of funds so your adviser can help you create a bespoke portfolio which is appropriate for your needs, with plenty of choice in every asset class. PACKAGED SOLUTIONS Our specialist funds, available through both the WealthSelect and SelfSelect ranges, are designed to address a specific investment need. creation funds are designed to maximise the returns you receive for the level of risk you re willing to take. funds are designed for retirees who wish to take a regular income, while still growing their capital. 9
10 working for you When you invest with Old Mutual Wealth you benefit from the expertise of investment professionals who are dedicated to getting the best for you. We bring these experts together to make the process of investing simple and straightforward. Your financial adviser Discussing and agreeing with you your objectives and risk level Making investment recommendations Providing you with performance updates reviewing your financial circumstances Old Mutual Wealth Providing you access to investment products and funds Giving your adviser access to online tools to set up and monitor your investment Processing your instructions and transactions sending you valuations and statements Making changes to your portfolio when requested Fund managers Managing the funds you invest in adhering to the fund s objectives ensuring the fund matches its risk profile, where applicable 10
11 OUR INVESTMENT PRODUCTS With us, you can invest in your chosen funds through a range of financial products: Collective Retirement Account The Collective Retirement Account is one of the most flexible pension schemes available in the UK. It offers the opportunity to accumulate savings while enjoying certain tax benefits. It also provides nine flexible ways to take retirement benefits, all within the same account. Collective Investment Account The Collective Investment Account is a convenient way for you to hold a wide range of unit trusts. This account is often used by investors who have used up their annual ISA allowance. INDIVIDUAL SAVINGS ACCOUNT (ISA) An ISA is one of the most tax-efficient methods of investing, whether it s in a lump sum or regular amounts. Your Old Mutual Wealth ISA can be invested into many different funds, allowing you to choose where you want to invest and how much risk you want to take. Collective Investment Bond This provides a flexible method of investing in funds, with the potential for growth over the medium to long term. You can, if you wish, take regular withdrawals. The Collective Investment Bond can also be placed into trust, to potentially reduce inheritance tax. Your financial adviser can tell you more about this. Details of these products and the risks involved can be found in their respective Key Features Documents available from your financial adviser. The Old Mutual Wealth ISA and Old Mutual Wealth Collective Investment Account are provided by Old Mutual Wealth Limited. The Collective Retirement Account and Collective Investment Bond are provided by Old Mutual Wealth Life & Pensions Limited. Old Mutual Wealth Limited and Old Mutual Wealth Life & Pensions Limited are part of Old Mutual Wealth. 11
12 the cost of your investment When you make an investment there are three main parties involved, in addition to you as the investor: Your financial adviser. Old Mutual Wealth, the provider of your account or bond. The managers of the funds you choose for your account or bond. Through our negotiations with fund managers, 80%* OF THE FUNDS YOU CAN INVEST IN WITH US ARE THE BEST VALUE IN THE MARKET Charges or fees are usually payable to each of the parties (shown opposite) involved in arranging and/or managing your investment. Their separate roles, and how their charges or fees are calculated and taken, are explained in a document called Making the cost of investment clear. Please ask your adviser for a copy. Old Mutual Wealth s charge Individual Savings Accounts (ISA) and Collective Investment Accounts (CIA) When you invest in an ISA or CIA, we deduct a Service Charge from your account. The Service Charge is for providing and servicing your account and giving you direct access to invest in a range of funds. Collective Retirement Accounts (CRA) and Collective Investment Bonds (CIB) When you invest in a CRA or CIB, we deduct a Product Charge from your account or bond. The Product Charge is for providing and administering your bond or pension product, through which you can invest in a range of funds. THE MORE you INVEST THE LOWER THE CHARGE RATE You can benefit from having more than one investment with us because we look at the combined value of your investments* in determining the charge rate you pay and then apply that rate to each of your investments. You can also request client-linking, which will take into account the combined value of the investments you and your spouse/civil partner hold* with Old Mutual Wealth at the time the charge is made. Your financial adviser will be able to help you with this. * applies to Individual Savings Accounts, Collective Investment Accounts, Collective Retirement Accounts and Collective Investment Bonds. find out more: Full details, including the level of our charges, can be found in Making the cost of investment clear. Please ask your financial adviser for a copy. 12
13 With you for life To achieve the things you ve planned, it s important that your investments work for you now and throughout your life. Your financial adviser will assess numerous factors in recommending a suitable solution based on your individual situation such as your needs, your aims and the balance of risk and reward you are comfortable with. Crucially, these things must be re-assessed regularly to ensure your investments adapt to changes in your life and in the investment world. Our online portfolio management tools allow your financial adviser to be engaged with your wealth at all times, keeping you informed and giving you the flexibility to change your investments to help achieve your long-term goals. Remember, the value of your investments can go up and down and you may get back less than you invested. Range of products: ISA, pension and bond Quick and easy fund switching Transparent online view of your portfolio in one place Risk assessment Superior customer service Portfolio building Product choice Up-to-date reporting on investments Specialist tax, technical and product support for your adviser You Performance monitoring Review and re-model Your adviser Risk assessment tools developed in conjunction with leading industry risk-management experts A complete suite of fund performance monitoring and portfolio management tools Over 1,600 funds from leading fund managers across the world 13
14 you re in control One way to gain control over your fund-based investments and ensure they can be monitored effectively is by consolidating them in one central place. When you invest with Old Mutual Wealth, you can access your investments quickly and easily. Holding your investments in one place gives you and your adviser a sound base from which to make your investment decisions. You can enjoy access to a wide choice of funds, and a range of tax-efficient ways to hold them, in a single location. And as our customer, you can view all of your investments with us at your convenience on our online Customer Centre, using your PC, tablet or smartphone. By registering for the online Customer Centre you can: view current valuations of the individual funds you are invested in, and the total value of your portfolio access fund prices, performance data and factsheets view the key details of your account at a glance, such as the amount paid in and any withdrawals taken reduce paper and access your documents online *. * for Collective Retirement Accounts, Collective Investment Bonds, Individual Savings Accounts and Collective Investment Accounts. find out more: To make things easy, a user guide on how to register for our online service is available on our website Or ask your financial adviser for a copy. 14
15 Relax, you re in good hands Having made the decision to invest with Old Mutual Wealth, when you do need to contact us, we re dedicated to providing you with excellent service. It is Old Mutual Wealth s focused approach to customer service that has resulted in us winning the coveted Financial Adviser 5 Star Service Award 34 times since 1991, including the Outstanding Achievement award; more than any other investment provider. We ve also won awards in a number of different areas, from our pension to our online technology (or platform ). Our most recent awards include: PROFESSIONAL PARAPLANNER AWARDS Best Platform GOLD STANDARD AWARDS gold Standard Award for Pensions INVESTMENT LIFE AND PENSIONS MONEYFACTS AWARDS 2017 Best Pension Service FTADVISER.COM ONLINE INNOVATION AND SERVICE AWARDS Life and Pensions 5 Stars Investments 5 Stars Outstanding Achievement Award Innovation award for investments FTAdviser.com FINANCIAL ADVISER Service Awards June 2017 Life and Pensions Provider 5 stars DEFAQTO 2018 PROTECTION SERVICE AWARDS GOLD Protection Service Rating DEFAQTO 2018 PLATFORM SERVICE AWARDS GOLD Platform Service Rating ADVISER ASSET PLATINUM RATINGS MARCH 2018 Old Mutual Wealth Platform Platinum Rating 15
16 Your investment may fall or rise in value and you may not get back what you put in. Calls may be monitored and recorded for training purposes and to avoid misunderstandings. Old Mutual Wealth is the trading name of Old Mutual Wealth Limited which provides an Individual Savings Account (ISA) and Collective Investment Account (CIA) and Old Mutual Wealth Life & Pensions Limited which provides a Collective Retirement Account (CRA) and Collective Investment Bond (CIB). The WealthSelect Managed Portfolio Service is provided by Old Mutual Wealth Limited and Old Mutual Wealth Life & Pensions Limited. Old Mutual Wealth Limited and Old Mutual Wealth Life & Pensions Limited are registered in England and Wales under numbers and respectively. Registered Office at Old Mutual House, Portland Terrace, Southampton SO14 7EJ, United Kingdom. Old Mutual Wealth Limited is authorised and regulated by the Financial Conduct Authority. Old Mutual Wealth Life & Pensions Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Their Financial Services register numbers are and respectively. VAT number When printed by Old Mutual Wealth this item is produced on a mixed grade material, which uses a combination of recycled wood or paper fibre from controlled sources and virgin fibre sourced from well managed, sustainable forests. SK6412/ /April 2018
COLLECTIVE INVESTMENT ACCOUNT
Key features of the COLLECTIVE INVESTMENT ACCOUNT The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you
More informationABOUT OLD MUTUAL WEALTH
Investments pensions PROTECTION ABOUT OLD MUTUAL WEALTH AND OLD MUTUAL Old Mutual Wealth Limited is a leading wealth management business in the UK and internationally. We provide platform-based investments
More informationCollECtIVE INVEstMENt ACCouNt selfselect WEAltHsElECt AIMs the CollECtIVE INVEstMENt ACCouNt ANd Its benefits About us
Key Features of the Collective Investment Account The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you
More informationUSING SMALL POTS LEGISLATION
USING SMALL POTS LEGISLATION IF CUSTOMERS WANT TO WITHDRAW THEIR MONEY IN A TAX EFFICIENT WAY Using the Small Pots legislation allows customers who are 60 or older to access income without crystallising
More informationCollective Retirement Account
Key features of the Collective Retirement Account The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you
More informationINdIVIduAl savings ACCouNt WEAltHsElECt AIMs the INdIVIduAl savings ACCouNt (IsA) ANd Its benefits About us INVEstING WItH old MutuAl WEAltH
Key Features of the INDIVIDUAL SAVINGS Account The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you decide
More informationGuide to the Old Mutual Wealth Best Start in Life Trust
Guide to the Old Mutual Wealth Best Start in Life Trust We regularly update our literature; you or your financial adviser can confirm that this March 2018 version is the latest by checking the literature
More informationCollective Retirement Account
Key features of the Collective Retirement Account The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you
More informationPersonal Pension. This document was last updated in October 2017 and is valid until October 2018.
Key Features of your Personal Pension The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you decide whether
More informationBuyout Bond I t Illustra tures Key Fea
Key features of your Buyout Bond The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you decide whether
More informationWHAT IT AIMS TO DO FOR YOU
Key Features of the PERSONAL PENSION The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you decide whether
More informationFLEXIBLE DRAWDOWN UNDER THE COLLECTIVE RETIREMENT ACCOUNT
FLEXIBLE DRAWDOWN UNDER THE COLLECTIVE RETIREMENT ACCOUNT FOR FINANCIAL ADVISERS ONLY Q1. Can flexible drawdown apply to all Collective Retirement Accounts (CRAs) or only those effective from the introduction
More informationRetirement Investments Retirement Insurance Health Investments Insurance Health
Retirement Investments Insurance Health Investment Portfolio Investment Portfolio from Aviva Whatever your financial needs, Investment Portfolio offers you a wide range of investment options, giving you
More informationPlanning. For financial advisers only
REDEFINING Retirement Planning For financial advisers only introduction Retirement IS BEING REDEFINED. People are living longer and enjoying better health; and the financial and economic climate continues
More informationQ&A RELATING TO CHANGES TO ADVISER CHARGING ON OFFSHORE BONDS IN THE UK
Q&A RELATING TO CHANGES TO ADVISER CHARGING ON OFFSHORE BONDS IN THE UK FOR FINANCIAL ADVISERS ONLY Please note this document is based on our interpretation of current law and taxation practice in the
More informationthe discounted gift trust discretionary version We ll help you get there
the discounted gift trust discretionary version investments pensions PROTECTION We ll help you get there contents at a glance introduction 3 about Old Mutual Wealth 4 what is a trust? 4 why use a trust
More informationRetirement Investments Retirement Insurance Health Investments Insurance Health
Retirement Investments Insurance Health ISA Portfolio If you re investing for the medium to long term, then you should always consider a stocks and shares ISA with the significant tax advantages it offers.
More informationOLD MUTUAL WEALTH S ADVISERVIEW MANAGE PORTFOLIOS user guide
For financial advisers use only OLD MUTUAL WEALTH S ADVISERVIEW MANAGE PORTFOLIOS user guide This guide demonstrates how to edit and maintain your bespoke portfolios as well as how to link investments
More informationTop up my ISA user guide. This is a guide on how to top up your ISA on the online Customer Centre
Top up my ISA user guide This is a guide on how to top up your ISA on the online Customer Centre Contents Contents Starting from the My Accounts page 3 Payment details 4 Review and submit Starting from
More informationWealthselect. Managed portfolio service. We ll help you get there. For financial advisers only
Wealthselect Managed portfolio service For financial advisers only pensions investment PROTECTION We ll help you get there A high quality solution to meet your clients investment goals Contents A high
More informationDEATH BENEFIT DISTRIBUTION REQUEST For use with the Collective Retirement Account (CRA)
Application reference number For office use only *SFDBD0300F* DEATH BENEFIT DISTRIBUTION REQUEST For use with the Collective Retirement Account (CRA) Form purpose This form can be used by the Legal Personal
More informationPersonalised Key Features Illustration for your Stocks and Shares ISA
The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth Ltd to give you this important information to help you decide whether this Stocks and Shares ISA is
More informationhelping you to grow The International Select Bond The European Select Bond
helping you to grow your wealth with confidence The International Select Bond The European Select Bond FOR UK INVESTORS 2 CONTENTS WHY DO CUSTOMERS BUY OFFSHORE BONDS? 4 KEY FEATURES OF OUR OFFSHORE SOLUTIONS
More informationCollective Retirement account. Phased drawdown illustration user guide. For UK Financial Advisers only
Collective Retirement account Phased drawdown illustration user guide For UK Financial Advisers only Contents. Your advice. Contribution details 3. Fund selection 4. Application options 5. Reveiw summary.
More informationOLD MUTUAL WEALTH RISK PROFILE QUESTIONNAIRE FOR TRUSTEES
OLD MUTUAL WEALTH RISK PROFILE QUESTIONNAIRE FOR TRUSTEES By now your financial adviser should have completed a full fact-find, to help identify the investment goals and aspirations of the trust, and their
More informationkey features of your capital and income bond
PROTECTION PENSIONS INVESTMENTS SOLUTIONS key features of your capital and income bond The Financial Services Authority is the independent financial services regulator. It requires us, Skandia, to give
More informationISA ADDITIONAL PERMITTED SUBSCRIPTION (APS)
*APIWP0100F* ISA ADDITIONAL PERMITTED SUBSCRIPTION (APS) Spouse inherited ISA application What is an Additional Permitted Subscription (APS)? When an ISA investor dies, his or her surviving spouse 1 is
More informationthe discerning investor The Executive Bond offers you a high-powered portfolio that puts you in the driving seat.
the discerning investor The Executive Bond offers you a high-powered portfolio that puts you in the driving seat. For Professional Investors not resident in the UK giving you ultimate investment freedom
More informationINSTRUCTION TO TAKE. Options* *APTFC0100F* From the Collective Retirement Account (CRA) For use by financial advisers only
Application reference number For office use only INSTRUCTION TO TAKE Tax-Efficient Regular Income Options* From the Collective Retirement Account (CRA) For use by financial advisers only *APTFC0100F* *The
More informationFor lump sum, direct debit, cash transfer and re-registered investments
*APIPC0700F* ISA APPLICATION For lump sum, direct debit, cash transfer and re-registered investments With this form you can: invest in a new ISA top up an existing ISA. Did you know? Your financial adviser
More informationTHE skandia plan. A unit-linked life assurance plan that can provide cover throughout your life. for information only.
Key features of THE skandia plan A unit-linked life assurance plan that can provide cover throughout your life for information only. this product is closed to new business The Financial Conduct Authority
More informationOLD MUTUAL WEALTH S ADVISERVIEW SWITCH FUNDS user guide
For financial advisers only OLD MUTUAL WEALTH S ADVISERVIEW SWITCH FUNDS user guide This guide provides support information on how to switch current funds and redirect future regular payments on an individual
More informationRe-registration application
Adviser details Name of individual Name of firm Address and postcode of firm Financial Services Number Re-registration application for ISA or Collective Investment Account Individual and joint *APREG0200F*
More informationYour guide to One Retirement
For adviser use only not approved for use with clients Your guide to One Retirement Contents Introducing One Retirement 2 Growth, income or both? 3 One Retirement fund range 3 Fund governance keeping our
More informationTHE CHANGES IN DEATH BENEFIT TAXATION. Intergenerational tax planning
THE CHANGES IN DEATH BENEFIT TAXATION Intergenerational tax planning I AM GOING TO COVER: CURRENT AND NEW POSITION NOMINEES DRAWDOWN THE TWO YEAR RULE (S) PENSIONS AS A LEGACY IMPACT ON LEGACY ARRANGEMENTS
More informationcollective investment account appointment form
Client reference number u if known For office use only collective investment account appointment form For UK investors only This form is for use where the applicant for, or existing Owner of, an Old Mutual
More informationFor Financial Advisers use only. Old Mutual Wealth s. user guide. Risk Profiler
For Financial Advisers use only Old Mutual Wealth s Retirement Income Explorer tool user guide Risk Profiler Contents. Contents. Introduction. Homepage 4. Landing page 5. Start risk assessment 6. Quick-start
More informationContents. Old Mutual Wealth Old Mutual House Portland Terrace Southampton SO14 7AY T
Mr 1 le Dorset AB12 3CD Old Mutual Wealth Old Mutual House Portland Terrace Southampton SO14 7AY T 0808 141 5070 www.oldmutualwealth.co.uk WELCOME TO YOUR HALF-YEARLY STATEMENT FROM OLD MUTUAL WEALTH Inside
More informationTHE NTT EUROPE COMPANY PENSION GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want
THE NTT EUROPE COMPANY PENSION GROUP PERSONAL PENSION A guide to help you prepare for the retirement you want Your NTT Europe company pension is provided by Scottish Widows. SUPPORTING LITERATURE AND TOOLS
More informationhow an Old Mutual Wealth discounted gift trust can help you
how an Old Mutual Wealth discounted gift trust can help you Reduce your potential UK inheritance tax liability contents at a glance Introduction 3 How IHT could affect you 4 The IHT dilemma 4 What is a
More informationWithdrawal/Closure form
Withdrawal/Closure form For use with the Individual Savings Account (ISA) MARCH 2018 It is important that you are aware that the Old Mutual ISA is not a Flexible ISA, meaning that any money you withdraw
More informationINVESTING FOR YOUR RETIREMENT. The choice is yours
INVESTING FOR YOUR RETIREMENT The choice is yours 2 Supporting your journey. Thinking about your retirement isn t always easy, as it can feel far away. But knowing which way you re heading can give you
More informationTHE ADVANTAGES OF TWO PRODUCTS IN ONE
Protect Rolling Term THE ADVANTAGES OF TWO PRODUCTS IN ONE FOR financial advisers ONLY what is a rolling term? you could say it s two products in one; a renewable term and a whole of life policy. Rolling
More informationCollective Retirement Account New business and top-ups. Application and illustration user guide
Collective Retirement Account New business and top-ups Application and illustration user guide Contents. Your advice. Contribution details 3. Fund selection 4. Application options 5. Payment details 6.
More informationShare class conversion and portfolio management user guide: ISA and CIA portfolios
For financial advisers only Share class conversion and portfolio management user guide: ISA and CIA portfolios This guide explains how to update your ISA and Collective Investment Account (CIA) portfolios,
More informationSTATE STREET UK GROUP PERSONAL PENSION SCHEME A guide to help you prepare for the retirement you want
STATE STREET UK GROUP PERSONAL PENSION SCHEME A guide to help you prepare for the retirement you want SUPPORTING LITERATURE AND TOOLS TO HELP YOU MAKE DECISIONS ABOUT YOUR COMPANY PENSION LITERATURE Key
More information(Including Direct Debit Instruction) For the Collective Retirement Account (CRA)
EMPLOYER PAYER FORM (Including Direct Debit Instruction) For the Collective Retirement Account (CRA) *SFEMP0400F* Application number u if known form purpose: This form must be completed by the employer
More informationWithdrawal/Closure form
*SFCIBWC01F* WithdrawalClosure form For use with the Collective Investment Bond (CIB) With this form you can: close an entire CIB... section 3 make a withdrawal by selling individual policies... section
More informationThese are bonds that have been converted from Charge Basis 1, either by request or automatically.*
*APIPC0700F* August 2018 Application for a collective investment BOND (CIb) trust and corporate applicants With this form you can: invest in a new CIB top up an existing CIB. Did you know? Your financial
More informationISA ADDITIONAL PERMITTED SUBSCRIPTION (APS)
*APCLS0100F* ISA ADDITIONAL PERMITTED SUBSCRIPTION (APS) Cash Lump Sum Application What is an Additional Permitted Subscription (APS)? When an ISA investor dies, his or her surviving spouse 1 is entitled
More informationHelping you understand inheritance tax planning
Helping you understand inheritance tax planning As Benjamin Franklin said, In this world nothing is certain but death and taxes. Inheritance tax (IHT) is where the two meet up. It is a tax on what you
More informationYour guide to UK inheritance tax and trusts. Guide for UK domicile investors only. April We ll help you get there
Your guide to UK inheritance tax and trusts Guide for UK domicile investors only April 2017 investments pensions PROTECTION We ll help you get there introduction This guide is designed to give you a basic
More informationPlanning for your retirement. Generating an income in retirement
Planning for your retirement Generating an income in retirement IN THIS GUIDE PLANNING YOUR RETIREMENT INCOME 3 CASH 5 BONDS 6 SHARES (EQUITIES) 9 PROPERTY 11 MULTI-ASSET INCOME INVESTMENTS 12 DRAWING
More informationGROUP STAKEHOLDER PENSION. A guide to help you prepare for the retirement you want
YOUR COMPANY PENSION GROUP STAKEHOLDER PENSION A guide to help you prepare for the retirement you want Your Sanctuary Group company pension is provided by Scottish Widows. SUPPORTING LITERATURE AND TOOLS
More informationthe discounted gift trust bare version
the discounted gift trust bare version contents at a glance introduction 3 about Old Mutual Wealth 4 what is a trust? 4 why use a trust for IHT planning? 5 who is involved with a discounted gift trust
More informationTHE ARMED FORCES STAKEHOLDER PENSION SCHEME A GUIDE TO HELP YOU PREPARE FOR THE RETIREMENT YOU WANT
THE ARMED FORCES STAKEHOLDER PENSION SCHEME A GUIDE TO HELP YOU PREPARE FOR THE RETIREMENT YOU WANT The Official Armed Forces pension scheme is provided by Scottish Widows. SUPPORTING LITERATURE AND TOOLS
More informationTO FIT YOUR BUSINESS
For employers Retirement Solutions TAILORED SOLUTIONS TO FIT YOUR BUSINESS A guide for employers WORK SMARTER NOT HARDER These days, offering your workers a good pension is vital. Of course, as pensions
More informationApplication for a collective investment account (CIA)
*APIPC0700F* Application for a collective investment account (CIA) for lump sum, direct debit, cash transfer and re-registered investments Individual or joint applicants With this form you can: invest
More informationFor lump sum investments covering two tax years: 2018/19 and 2019/20
ISA application For lump sum investments covering two tax years: 2018/19 and 2019/20 With this form you can: invest a lump sum into your ISA for one or both of the 2018/19 and 2019/20 tax years (cheque
More informationA GUIDE TO INCOME TAX AND YOUR PENSION
A GUIDE TO INCOME TAX AND YOUR PENSION Contents INTRODUCTION 3 Key FACTS 3 YOUR PENSION WITHDRAWALS: WHAT S TAXABLE? 4 The tax-free element of your withdrawals 4 The taxable element of your withdrawals
More informationApplication for a collective
*APIPC0700F* Application for a collective investment BOND (CIB) Individual or joint applicants With this form you can: invest in a new CIB top up an existing CIB. Did you know? Your financial adviser can
More informationa guide to investment for trustees We ll help you get there
a guide to investment for trustees investments pensions PROTECTION We ll help you get there This guide is designed to highlight some of the key aspects of investment for trustees. Trusts are a complex
More informationChargeable Gain Calculator User-Guide
Chargeable Gain Calculator User-Guide The chargeable gain calculator will enable you to calculate the impacts of different withdrawal options. For Financial Advisers only. PLEASE BE AWARE - Please read
More informationPersonalised Key Features Illustration for your Collective Retirement Account
The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth Life & Pensions Ltd to give you this important information to help you decide whether this Collective
More informationApplication for a collective investment account (CIA)
Application for a collective investment account (CIA) for lump sum, direct debit, cash transfer and re-registered investments trust, corporate and pension scheme applicants With this form you can: invest
More informationHelping you manage your wealth. For Financial Adviser use with clients
Helping you manage your wealth For Financial Adviser use with clients Contents Page The simplicity of Wrap 03 How does Wrap work? 04 What is Standard Life Wrap? 05 Why Standard Life? 06 Why choose Standard
More informationIndividual Savings Account (ISA), Collective Investment Account (CIA), Collective Retirement Account (CRA) and Collective Investment Bond (CIB)
ONGOING Adviser FEE Authorisation Individual Savings Account (ISA), Collective Investment Account (CIA), Collective Retirement Account (CRA) and Collective Investment Bond () l Initial fees for lump sums,
More informationPension Portfolio J26372_LF10207_0318.indd 1 05/03/18 6:39 am
Pension Portfolio could be the perfect home for your pension. It allows you to take full advantage of the pension freedoms. Pension Portfolio has two options - Core and Choice - which are designed to meet
More informationWe try not to use technical jargon but where this is unavoidable we have explained the meanings in a glossary at the end of the form.
Transfer into your Old Mutual Wealth Pension We try not to use technical jargon but where this is unavoidable we have explained the meanings in a glossary at the end of the form. With this form you can:
More informationKey features of your EUROPEAN COLLECTIVE INVESTMENT BOND PRIIPS
Key features of your EUROPEAN COLLECTIVE INVESTMENT BOND PRIIPS The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual International Ireland dac, to give you this
More information*PPPPEN01* APPLYING TO TRANSFER-IN OR CONTRACT-OUT UNDER YOUR PERSONAL PENSION. This must be completed by your financial adviser.
Financial adviser stamp APPLYING TO TRANSFER-IN OR CONTRACT-OUT UNDER YOUR PERSONAL PENSION Financial adviser agency number Please enter your business postcode Are you enclosing a cheque with this application?
More informationWithdrawal/Closure form
*SFDIS0300F* WithdrawalClosure form For use with the Collective Investment Account (CIA) FEBRUARY 2018 Please read the accompanying Questions and Answers document; it will help you complete this form and
More informationDiscounted Gift Trust
*APDBA0300F* Discounted Gift Trust For use with bare and discretionary versions Part A Application for a Collective Investment Bond to use with a Discounted Gift Trust THIS APPLICATION CANNOT BE SUBMITTED
More informationGUIDE TO INVESTMENT IN OUR UNIT LINKED FUNDS
OLD MUTUAL WEALTH S GUIDE TO INVESTMENT IN OUR UNIT LINKED FUNDS For financial advisers only How we price our unit linked funds The aim of this guide is to explain how unit prices are calculated for the
More informationAPPLYING FOR ACCOUNT P R A A C A E R A. Financial adviser stamp. Please enter your business postcode
Financial adviser stamp Please enter your business postcode APPLYING FOR TRANsFER PAYMENTS *PPPPEN01* TO YOUR Old Mutual Wealth Professional Pension ACCOUNT Please use BLOCK CAPITALS only and blue or black
More informationSmarter solutions built around you
Managed Portfolio Service - Client guide Smarter solutions built around you Only available through professional intermediaries. Ask your financial adviser for more information. Who are AJ Bell, and what
More informationDUE DILIGENCE FOR THE COLLECTIVE RETIREMENT ACCOUNT AND DEFINED BENEFIT TRANSFERS
DUE DILIGENCE FOR THE COLLECTIVE RETIREMENT ACCOUNT AND DEFINED BENEFIT TRANSFERS For financial advisers only COLLECTIVE RETIREMENT ACCOUNT AND DEFINED BENEFIT TRANSFERS 2 COLLECTIVE RETIREMENT ACCOUNT
More informationGROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want. Prepared for Grant Thornton partners
THE GRANT THORNTON UK LLP GROUP PERSONAL PENSION PLAN GROUP PERSONAL PENSION A guide to help you prepare for the retirement you want Prepared for Grant Thornton partners Your Grant Thornton company pension
More informationPersonalised Key Features Illustration for your Collective Retirement Account
The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth Life & Pensions Ltd to give you this important information to help you decide whether this Collective
More informationGlobal Wealth Advance. Working with you on your journey to financial success
Global Wealth Advance Working with you on your journey to financial success Helping you plan for your future with confidence Making it easier to achieve life s ambitions Whatever you hope to do in life,
More informationinvestment growth Old Mutual International Ireland s European Executive Investment Bond The private client wealth management solution
Maximising your opportunities for investment growth Old Mutual International Ireland s European Executive Investment Bond with Quilter Cheviot as the discretionary ASSET manager The private client wealth
More informationAviva Client Guide Wrap. The Aviva Platform. One simple online platform, for your changing investment needs. Retirement Investments Insurance Health
1 Aviva Client Guide Wrap The Aviva Platform One simple online platform, for your changing investment needs Retirement Investments Insurance Health 2 Aviva Client Guide Wrap Content An easier, more efficient
More informationEUROPEAN WEALTH BOND. Product Brochure
EUROPEAN WEALTH BOND A safe home for your investments Product Brochure Contents The European Wealth Bond is provided by Old Mutual International Ireland dac (Old Mutual International Ireland), which is
More informationYOUR COMPANY PENSION GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want
YOUR COMPANY PENSION GROUP PERSONAL PENSION A guide to help you prepare for the retirement you want Group Personal Pension SUPPORTING LITERATURE AND TOOLS TO HELP YOU MAKE DECISIONS ABOUT YOUR COMPANY
More informationInvesting for income. A guide to broadening your income horizons
Investing for income A guide to broadening your income horizons TABLE OF CONTENTS Welcome to our little guide 3 Seeking income in a low rate environment 4 Putting your savings to work 6 Broaden your income
More informationTAKE YOUR PENSION AWAY WITH YOU. With a Qualifying Recognised Overseas Pension Scheme (QROPS)
TAKE YOUR PENSION AWAY WITH YOU With a Qualifying Recognised Overseas Pension Scheme (QROPS) CONTENTS Introducing QROPS and how to retire COMFORTABLY overseas 3 What are the benefits of a QROPS? 4 What
More informationCoats Pension Plan. Choosing your investment funds
Coats Pension Plan Choosing your investment funds Choosing your investment funds Choosing your investment funds doesn t have to be complicated. In this brochure we aim to help you get a better understanding
More informationBank of Montreal. Investing for you. Individual Savings Account General Investment Account ISA GIA
Bank of Montreal Investing for you. ISA GIA Individual Savings Account General Investment Account Investing for your future 3 Contents 1. Start with a BMO plan 4 Investing for you: Individual Savings Account
More informationA-Day maximum benefit
A-Day maximum benefit calculation form For executive pension members It is essential that you give full details on this form Failure to do so could mean that Old Mutual Wealth is unable to carry out a
More informationAn introduction to the Cofunds Pension Account
Product guide for self-directed investors An introduction to the Cofunds Pension Account provided by Suffolk Life A straightforward way to plan for your retirement Contents Introduction 1 The experts behind
More informationWhy Standard Life for SIPP? For adviser use only
Why Standard Life for SIPP? For adviser use only Why Standard Life for SIPP? When considering which Self Invested Personal Pension provider to choose, there are different factors to think about. It s an
More informationTHE AURUM COMPANY PENSION GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want
THE AURUM COMPANY PENSION GROUP PERSONAL PENSION A guide to help you prepare for the retirement you want Your AURUM company pension is provided by Scottish Widows. SUPPORTING LITERATURE AND TOOLS TO HELP
More informationFUNDSNETWORK SIPP PROVIDED BY STANDARD LIFE PRODUCT GUIDE
FUNDSNETWORK SIPP PROVIDED BY STANDARD LIFE PRODUCT GUIDE FUNDSNETWORK SIPP PROVIDED BY STANDARD LIFE CONTENTS What is a SIPP? 3 An introduction to the benefits 4 The benefits explained 6 Product summary
More informationYour guide to understanding ISAs
Your guide to understanding ISAs Your money. Our expertise. This guide is for information purposes only. It should not be seen as advice. Investments in the stock market may fall as well as rise, and it
More informations e r v i c e h o n e s t y c o m m i t m e n t p r o f e s s i o n a l i s m i n t e g r i t y
IAS12pp new_layout 1 22/07/2011 11:19 Page 2 s e r v i c e h o n e s t y c o m m i t m e n t p r o f e s s i o n a l i s m i n t e g r i t y Comprehensive financial & lifestyle planning IAS12pp new_layout
More informationkey features of your executive wealthbuilder account
PENSIONS INVESTMENTS International key features of your executive wealthbuilder account for UK customers The Financial Services Authority is the independent financial services regulator. It requires us,
More informationYOUR COMPANY PENSION GROUP STAKEHOLDER PENSION. A guide to help you prepare for the retirement you want
YOUR COMPANY PENSION GROUP STAKEHOLDER PENSION A guide to help you prepare for the retirement you want WELCOME TO YOUR SCOTTISH WIDOWS WORKPLACE PENSION Everyone needs a plan for their retirement. This
More informationSUPERANNUATION. Introducing Integra Super
SUPERANNUATION Introducing Integra Super OnePath strength and commitment to you Helping shape and protect your future OnePath is one of Australia s leading providers of wealth, insurance and advice solutions.
More informationINTERNaTIONal SElECT BONd FOR UK INVESTORS
Key features of your International SELECT Bond FOR UK INVESTORS The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual International Isle of Man Limited, to give
More informationInvested in your Ambition. Discretionary Managed Services
Invested in your Ambition Discretionary Managed Services For who you are today and where you ll go tomorrow Managed services that put your needs first With our Discretionary Managed Services, you can relax,
More information