RETAIL RETAIL STRUCTURED SOLUTIONS
|
|
- Dustin Barrett
- 6 years ago
- Views:
Transcription
1 RETAIL STRUCTURED SOLUTIONS RETAIL Structured Solutions. You have a right to expect stability and excellence from product providers. Since 1995 we have managed all aspects of structured products. This is the expertise we bring to looking after over 250,000 customers. This is not a consumer advertisement. It is intended for professional financial advisers and should not be relied upon by private investors or any other persons.
2 2 RETAIL STRUCTURED SOLUTIONS Legal & General Group. Legal & General is a leading provider of risk, savings and investment management products in the UK. We have been around since 1836, the same year that London gained its first railway terminus and Charles Darwin returned to England with some new ideas. Like the railways and the theory of evolution we too grew in popularity and currently we have over seven million customers in the UK, as well as operations internationally. We re proud to say that the Group is thriving and that Legal & General s double-digit sales growth in 2012 broke records again, demonstrating that customers value our insurance, savings and investment propositions. As well as being a successful business, we do our very best to think about the things that matter to people every day, taking a stand on the issues that matter to us as a business, to our customers and to broader society. What do Legal & General RETAIL STRUCTURED SOLUTIONS do? Customer facing: Legal & General Retail Structured Solutions are responsible for the plan management, client servicing and marketing of Legal & General s structured products. We offer structured deposits and structured investments. Dedicated support: Our teams are here to support customers throughout the life of the products, from the day the products start through to maturity. We re also here to support intermediaries by giving you the tools you need to help your clients. Thoughtful design: With extensive experience in the structured product market, we re adept at designing and distributing structured products that work for both intermediaries and customers. We understand the market and are constantly working with other financial institutions to ensure we have competitive and fair value products available.
3 RETAIL STRUCTURED SOLUTIONS 3 An overview of structured products. Structured products are fixed term products, which pay a defined return at a set point in time. The return can be linked to one or more indices or other assets, such as shares of a company. Our products offer a variety of different returns within different structures and tax wrappers. They also offer different levels of capital protection. Structured products can be useful financial tools as part of a broader investment strategy. They can provide returns linked to different asset classes for customers with different attitudes to risk and investment objectives. Structured products fit into two broad categories: structured deposits and structured investments. How do Structured Deposits and Structured Investments differ? Structured deposits Structured investments Underlying structure Customers money is placed on deposit with a deposit taker, who agrees to pay back the original deposit plus the stated return. Customers money is used to buy securities from a financial institution (usually a bank) which provides the stated return. How is it taxed? Subject to income tax unless purchased within a cash ISA wrapper. Subject to income or capital gains tax unless purchased within a stocks and shares ISA wrapper. What are the risks of these products? If the deposit taker can t pay back what they owe then customers could lose some, or all, of their original deposit and any applicable return. The customer is covered by the Financial Services Compensation Scheme (FSCS) up to their personal allowance of 85,000. If the securities provider can t meet their commitments then customers could lose some, or all, of their original investment and any applicable return. For a Structured Capital at Risk Product (SCARP), if the level of the index used falls below a set level customers could lose some or all of their original investment. The customer is not covered by the FSCS in the event that the securities provider cannot meet their commitments. How can it be bought? Investments can be made direct or through a financial intermediary. Investments must be made through a financial intermediary. As such, you are responsible for assessing appropriateness or providing full advice.
4 4 RETAIL STRUCTURED SOLUTIONS Why CHOOSE US for Structured Solutions? The Legal & General Retail Structured Solutions team is responsible for the development, design, administration and governance of our structured product range. In-house management. We do this because we re keen to keep control of all the elements, ranging from UK-based plan management to administration. We re here to stay. We ve been in the structured product market since 1995 and we have successfully launched over 170 products to date. With over 4 billion in assets under administration and over 250,000 customers, we re highly committed to the market and here to stay. Product range. We offer both structured investments and structured deposits, whilst our strength in the marketplace allows us to offer products through a number of Independent Financial Advisers (IFAs), Strategic Partnerships, via our own business partners and Legal & General Financial Solutions sales force network as well as direct to consumers. A leader in corporate governance. It is the size, scale and the flexibility of our business that allows us to negotiate with many leading financial institutions and offer quality products with fair value for customers. How we design and develop our products. Our products offer a variety of different returns within different structures and tax wrappers. They also offer different levels of capital protection. In developing each structured product, we pay careful attention to: Assessing the target market Product risk assessments Stress testing Design principles of the products Approving our counterparties Product structures/returns Approved indices/underlyings Fair value methodology Each product has its own governance plan which is reviewed and approved by the Product and Risk Directors. Each product is then approved before launch by the Managing Director. We have introduced a framework we call Product Lifecycle Management (PLM) for all products across the Legal & General Group. This framework has been implemented for structured products and a series of new policies have been introduced to ensure product launches meet the needs of the customer and provide enhanced governance for this product line. PLM is supported by generic target market research, risk assessments and stress testing, which will be maintained independently of the individual products. All products operate within a governance framework of approved policies relating to the design principles; counterparties; structures; indices; methodologies and delegated authorities. Ongoing review. We continually review our products from launch right through to maturity. As well as monitoring the counterparties, the indices and operational performance, we also keep a keen eye on any concerns raised by our customers. This approach helps us to ensure that our products are operating as customers expect. We also use this input to adapt and monitor future launches, and aim to continually improve our customer service and the customer journey.
5 RETAIL STRUCTURED SOLUTIONS 5 What research do we do into the target market? We regularly invest in research in order to ensure that we always have products that are a good fit for your customers. We recently commissioned an extensive research programme to identify the target market for our range of structured products. There remains a broad target market for structured products. The research demonstrated to us that structured products can contribute towards a range of customer needs including boosting retirement funds, investing for specified goals or general investment for growth. How do we ensure fair value? Legal & General will assess the fair value of approved return structures by reference to past performance, forward forecasting and reviewing product performance and likelihood of capital loss where applicable. How do we manage our counterparties? Each counterparty is evaluated against high standards. We take into account credit ratings provided by third party agencies such as Standard & Poor s, Moody s and Fitch. To evaluate these we use the approach followed by regulators such as the Federal Reserve (FED) and Financial Conduct Authority (FCA). This is called a CAMEL approach: Capital: Quality and quantum of capital Asset quality: Profile of loan book, including level of non-performing loans and loan-loss reserves Management: track record, depth of management team, risk management skills Earnings: net interest margin, earning composition, cost efficiency and loan losses Liquidity: liquid assets/total assets and wholesale funding ratio. Any new counterparties (deposit takers or securities providers) will be subject to initial approval by board level committees. We ll also continue to review the counterparty throughout the lifetime of the product. Each counterparty is assessed and must receive ongoing approval.
6 6 RETAIL STRUCTURED SOLUTIONS What Support Services do WE provide? Advisers Clients At launch Key Features (printed and download) Application forms (printed and download) Commission disclosure sheets (structured deposits only) Product profiles During product lifetime Annual statements Barrier breach notifications (SCARPs only) Latest credit rating information Current valuations for early withdrawals At maturity Warm-up mailings for all maturing products including early kick outs Maturity mailings (including client listings for advisers) Literature Making life easy for you and your clients is important to us. We commission external, independent research to help ensure that our literature clearly explains the risks and features of our products. Communications Throughout the lifetime of the product we will provide regular information in a clear and understandable format. At maturity, or early maturity, we have a robust communication process to help you and your client understand the available options. telephone support We have a dedicated team based in Cardiff, which administers Legal & General s structured products and retail unit trusts. We have an efficient processing centre with dedicated operational teams. We also offer comprehensive support to you at maturity, to give you the tools to help your clients make an informed choice when their structured product closes.
7
8 We would really like to work with you and appreciate your feedback. Our team are always on hand to talk to you about your needs, with a dedicated Structured Solutions team to support your strategy and future goals. We appreciate that turbulent markets have meant that professional investors such as yourselves are keener than ever to work with a stable, established company, who can offer you the assurance you need. CONTACT US Please contact your Legal & General representative or the Retail Structured Solutions team at structured.team@landg.com. Details of our latest products can be found at This document should not be taken as an invitation to deal in any Legal & General investment including the stated investment. If investors cash in any or all of their investment early then they may get back less than they invest. Legal & General (Portfolio Management Services) Limited Registered in England No Registered office: One Coleman Street, London EC2R 5AA Authorised and regulated by the Financial Conduct Authority. CW /13 H142530
The Sale for Regular Payment Service
SELF-DIRECTED Explicit Pricing Model The Sale for Regular Payment Service How Cofunds helps you make regular payments by selling from your investments Before setting up a Sale for Regular Payment you must
More informationThe Navigator Deposit ISA 8
The Navigator Deposit ISA 8 1 The Navigator Deposit ISA 8 A deposit with The Royal Bank of Scotland plc Plan/ISA Account Manager 2 The Navigator Deposit ISA 8 What is the Navigator Deposit ISA 8? The Navigator
More informationLOOK FORWARD TO MORE CHOICE MORE FREEDOM. A guide to Income Release. Pension Portfolio
LOOK FORWARD TO MORE CHOICE MORE FREEDOM Pension Portfolio A guide to Income Release 2 A GUIDE TO INCOME RELEASE CONTENTS 03 Welcome A few words from our CEO 06 Share our success How your ProfitShare works
More informationINVESTMENT SOLUTIONS. Fiduciary Management. Knowing our scheme is in good hands leaves me free to focus on where I add value.
INVESTMENT SOLUTIONS Fiduciary Management Knowing our scheme is in good hands leaves me free to focus on where I add value. ABOUT US The JLT fiduciary management service brings together the expertise of
More informationYour guide to lifetime mortgages
Your guide to lifetime mortgages What is a lifetime mortgage? 1 What difference could a lifetime mortgage make to you? 4 What is a lifetime mortgage? A way of releasing money from your home without having
More informationDEMONSTRATING OUR ONGOING COMMITMENT
WORKPLACE PENSIONS DEMONSTRATING OUR ONGOING COMMITMENT INVESTING IN OUR SERVICE, AND ADVISER SUPPORT This information is for UK financial adviser use only and should not be distributed or relied upon
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 informationStructured Product Guide.
Structured Product Guide www.meteoram.com Meteor Structured Product Guide PAGE ii Introduction This guide has been designed to give investors an insight into the structured products offered by Meteor.
More informationpriority service at your convenience.
priority protection adviser guide priority service at your convenience. Our Priority Protection Team specialise in high sum assured protection and nothing else. We offer full support for you at every stage
More informationReal Assets Investing for a positive change
2018 Legal & General Investment Management Real Assets - Corporate Profile Real Assets Investing for a positive change DP World, London Gateway Port Legal & General Investment Management, Real Assets 2018
More informationTHE MORGAN STANLEY FTSE GILT BACKED GROWTH PLAN 15 INTELLIGENT INVESTING
THE MORGAN STANLEY FTSE GILT BACKED GROWTH PLAN 15 INTELLIGENT INVESTING This Plan is not capital protected. You must be prepared to lose some or all of your Initial Investment. The Plan Manager for this
More informationMORE CHOICE MORE FREEDOM. A guide to Income Release. Pension Portfolio
MORE CHOICE MORE FREEDOM A guide to Income Release Pension Portfolio 2 INCOME RELEASE CONTENTS 03 Welcome A few words from our CEO 06 Share our success How your ProfitShare works 12 Clear charges Product
More informationThe Autopilot Deposit ISA 4
The Autopilot Deposit ISA 4 1 The Autopilot Deposit ISA 4 A deposit with The Royal Bank of Scotland plc Plan/ISA Account Manager 2 The Autopilot Deposit ISA 4 What is the Autopilot Deposit ISA 4? The Autopilot
More informationDefensive Kick Out Plan 13. This Plan is not capital protected. You must be prepared to lose some or all of your Initial Investment.
THE MORGAN STANLEY FTSE Defensive Kick Out Plan 13 intelligent investing This Plan is not capital protected. You must be prepared to lose some or all of your Initial Investment. The Plan Manager for the
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 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 informationFLEXIBLE MORTGAGE ISA PLAN KEY FEATURES. FOR AN ADDITIONAL PLAN. This is an important document. Please keep safe for future reference.
FLEXIBLE MORTGAGE ISA PLAN KEY FEATURES. FOR AN ADDITIONAL PLAN. This is an important document. Please keep safe for future reference. 2 FLEXIBLE MORTGAGE ISA PLAN KEY FEATURES FOR AN ADDITIONAL PLAN ABOUT
More informationA three year investment offering a fixed annual 4.15% interest payment
The Royal Deposit ISA 5 1 Royal Deposit ISA 5 A three year investment offering a fixed annual 4.15% interest payment Plan/ISA Account Manager 2 The Royal Deposit ISA 5 The Royal Deposit ISA 5 is a deposit
More informationThe UK Fixed Income Plan 3
The UK Fixed Income Plan 3 A five year fixed term investment providing a fixed income of either 5.50% once a year or 0.44% monthly. Your capital is not guaranteed and you may get back less than you invested.
More informationKeY FeatUreS of the LegaL & general growth PLan 7.
LegaL & general growth PLan 7 KeY FeatUreS of the LegaL & general growth PLan 7. PerFormance dependent on the FtSe 100 Index YoUr capital IS not guaranteed and YoU may get BacK LeSS than YoU InVeSted offer
More informationA GUIDE TO INCOME DRAWDOWN.
PORTFOLIO PLUS PENSIONS A GUIDE TO INCOME DRAWDOWN. FOR USE WITH: PORTFOLIO PLUS PENSION PORTFOLIO PLUS SELF INVESTED PERSONAL PENSION This is an important document that you should retain. PORTFOLIO PLUS
More informationPerformance dependent on the FTSE 100 Index. Offer open 28 AugUSt 2012 to 19 October 2012
Legal & General 3 Year Growth Plan 1 KEY FeatURES OF the Legal & General 3 Year Growth Plan 1. Performance dependent on the FTSE 100 Index YOUR CAPItaL IS NOT GUaranteed AND YOU MAY get BacK LESS THAN
More informationA GUIDE TO BUYER S PROTECTION INSURANCE.
BUYER S PROTECTION INSURANCE A GUIDE TO BUYER S PROTECTION INSURANCE. Our competitive Buyer s Protection Insurance makes sure your customers are covered should the unexpected happen when they re buying
More informationyou for your clients
Working you with for your clients A partner you can depend on 2 When you re choosing a partner to help you manage your clients wealth, you want to be confident that their investment process is rigorous,
More informationRetirement Investments Insurance. Your guide to Investment Bond
Retirement Investments Insurance Your guide to Investment Bond We are Aviva Helping people save for the future and manage the risks of everyday life Life is complex and unpredictable. People face uncertainty
More informationKEY FEATURES OF THE INCOME DRAWDOWN PLAN. Important information you need to read
KEY FEATURES OF THE INCOME DRAWDOWN PLAN Important information you need to read THE FINANCIAL CONDUCT AUTHORITY (FCA) IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU THIS
More informationREDUCE THE IMPACT OF PAYING ILL HEALTH EARLY RETIREMENT PENSIONS.
GROUP PROTECTION GROUP PROTECTION 1 REDUCE THE IMPACT OF PAYING ILL HEALTH EARLY RETIREMENT PENSIONS. Defined benefit pension schemes can face a large and unexpected cost when ill health means an employee
More informationGood Practice Guide. An asset class growing in popularity: What advisers need to know about peer-to-peer lending. Foreword 2
1 Good Practice Guide January 2019 An asset class growing in popularity: What advisers need to know about peer-to-peer lending Foreword 2 Introduction: the search for regular returns 3 An asset class growing
More informationKey Features of the Group Stakeholder Pension Scheme. This is an important document which you should keep in a safe place.
Key Features of the Group Stakeholder Pension Scheme This is an important document which you should keep in a safe place. Welcome to your Key Features Document. It explains all the important information
More informationADVISER DUE DILIGENCE GUIDE. Embark platform Adviser Due Diligence Guide
ADVISER DUE DILIGENCE GUIDE 1 CONTENTS 1 THE PLATFORM PROVIDER 2 TERMS & CONDITIONS 3 CHARGES 4 PRODUCT LINE UP 5 RANGE OF ASSET CLASSES 6 FUNCTIONALITY 7 ACCESSIBILITY 8 ADDITIONAL TOOLS 9 SERVICE & SUPPORT
More informationPerformance dependent on the FTSE 100 Index. The plan will invest in securities issued by Abbey National Treasury Services plc.
Legal & General Growth Plan 1 KEY FEATURES OF THE Legal & General Growth Plan 1. Performance dependent on the FTSE 100 Index Capital is not guaranteed Offer open 27 June TO 19 AUGUST 2011 The plan will
More informationFTSE 100 SEMI-ANNUAL DEFENSIVE KICK OUT PLAN
FTSE 100 SEMI-ANNUAL DEFENSIVE KICK OUT PLAN STRUCTURED INVESTMENT SINGLE INDEX KICK OUT PLAN MARCH 2018 ISSUE 1 CAPITAL-IS-AT-RISK CREDIT SUISSE AG 6 YEAR INVESTMENT TERM POTENTIAL FOR 3.25% GROWTH PER
More informationLegal & General FTSE Bonus Capital Protected Plan 2
Legal & General FTSE Bonus Capital Protected Plan 2 Your opportunity to benefit from potential growth in the FTSE 100 Index with capital protection at maturity Offer open from 10 May to 2 July 2010 Plan
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 informationFTSE 100 SUPERTRACKER PLAN MARCH 2017 PLAN 211
FTSE 100 SUPERTRACKER PLAN MARCH 2017 PLAN 211 key dates Offer Closing Date 22 March 2017 Investment Start Date 24 March 2017 Maturity Date 24 March 2023 plan details 5 Times Growth Multiplier Plan offers
More informationOpen up. your options in International Investments. Segregated Portfolio Service
Segregated Portfolio Service Open up your options in International Investments This is not a consumer advertisement. It is intended for professional advisers and should not be relied upon by private investors
More informationIf the note has not kicked out and the final index level is below 60% of its initial level then you will lose some or all your invested capital
CUBE DUAL TRIGGER FTSE BOOSTED KICK OUT NOVEMBER 2020 THE NEW SHAPE OF STRUCTURED INVESTMENTS A 6 year investment dependent on the performance of the Class 2014-76 FTSE 100 Index Linked Preference Share
More informationGIVE YOUR FUTURE THE DISCOVER THE POSSIBILITIES OF A CAREER IN RISK
GIVE YOUR FUTURE THE DISCOVER THE POSSIBILITIES OF A CAREER IN RISK ABOUT ARTHUR J. GALLAGHER ARTHUR J. GALLAGHER IS THE BRAND NAME WE USE IN MANY OF OUR GLOBAL ACTIVITIES OUTSIDE THE US OPERATIONS OF
More informationLegal & General Capital Protected FTSE Bonus Plan 1
Legal & General Capital Protected FTSE Bonus Plan 1 Your opportunity to benefit from potential growth in the FTSE 100 Index with capital protection at maturity Offer open from 23 September 2009 to 13 November
More informationSELECT PORTFOLIO BOND (WEALTH MANAGERS) KEY FEATURES. This is an important document. Please keep it safe for future reference.
SELECT PORTFOLIO BOND (WEALTH MANAGERS) KEY FEATURES. This is an important document. Please keep it safe for future reference. 2 SELECT PORTFOLIO BOND (wealth managers) KEY FEATURES ABOUT US. The Legal
More informationUSING IPS. START. This document gives you information about using IPS to manage and make changes to your investment.
LEGAL & GENERAL INVESTOR PORTFOLIO SERVICE (IPS) USING IPS. This document gives you information about using IPS to manage and make changes to your investment. START USING THIS DOCUMENT. This document gives
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 informationKey Features of the Group Stakeholder Pension Scheme. This is an important document which you should keep in a safe place.
Key Features of the Group Stakeholder Pension Scheme This is an important document which you should keep in a safe place. Welcome to your Key Features Document. It explains all the important information
More informationDiscretionary Fund Management
Discretionary Fund Management Our focus is, and will always remain, the continued prosperity and well being of your clients Andrew Ross, Chief Executive About Cazenove Capital Award winning service Cazenove
More informationUnderstanding. WorkSave Buy Out Plan Key Features. WorkSave Buy Out Plan Key Features. WorkSave Buy Out Plan Key Features
WorkSave Buy Out Plan Key Features Understanding WorkSave Buy Out Plan Key Features We know it s a big decision to transfer a company pension scheme. We also know how important it is for you to understand
More informationFTSE 100 KICK OUT PLAN
FTSE 100 KICK OUT PLAN STRUCTURED INVESTMENT SINGLE INDEX KICK OUT PLAN MARCH 2018 ISSUE 1 CREDIT SUISSE AG 6 YEAR INVESTMENT TERM POTENTIAL FOR 8.30% GROWTH PER ANNUM 60% EUROPEAN BARRIER AUGERE@REYKER.COM
More informationDUE DILIGENCE GUIDE. For Financial Advisers. [ Available online at embarkplatform.co.uk ]
DUE DILIGENCE GUIDE For Financial Advisers [ Available online at embarkplatform.co.uk ] CONTENTS 4 THE PLATFORM PROVIDER 5 TERMS & CONDITIONS 7 CHARGES 10 PRODUCT LINE-UP 12 ASSET CLASSES 13 FUNCTIONALITY
More informationSTAKEHOLDER PENSION PLAN ADDING TO YOUR PLAN
STAKEHOLDER PENSION PLAN ADDING TO YOUR PLAN 2 STAKEHOLDER PENSION PLAN ADDING TO YOUR PLAN ABOUT THIS DOCUMENT. This document gives you the important information you need when making additional contributions
More informationThe Autopilot Deposit Plan 5
The Autopilot Deposit Plan 5 1 The Autopilot Deposit Plan 5 A deposit with The Royal Bank of Scotland plc Plan/ISA Account Manager 2 The Autopilot Deposit Plan 5 What is the Autopilot Deposit Plan 5? The
More informationLegal & General Market Performance Deposit Bond ISSUE 1. Market. This is an important document that you should keep in a safe place.
Legal & General Market Performance Deposit Bond ISSUE 1 KEY FEATUres OF THE LegaL & general Market Performance Deposit Bond 1. AVaiLABLE 2 January to 1 March 2013 This is an important document that you
More informationFTSE 100 SUPER DEFENSIVE KICK OUT PLAN
FTSE 100 SUPER DEFENSIVE KICK OUT PLAN STRUCTURED INVESTMENT FTSE 100 KICK OUT PLAN ISSUE 3 JUNE 2018 CAPITAL IS AT RISK CREDIT SUISSE AG 6.5 YEAR INVESTMENT TERM POTENTIAL FOR 5.50% GROWTH PER ANNUM 60%
More informationLegal & General FTSE Growth Plan 2
Legal & General FTSE Growth Plan 2 Performance dependent on the FTSE 100 Index Capital is not guaranteed Offer open 11 January to 5 March 2010 Plan series: 605 The plan will invest in securities issued
More informationDUAL INDEX SUPER DEFENSIVE KICK OUT PLAN
DUAL INDEX SUPER DEFENSIVE KICK OUT PLAN STRUCTURED INVESTMENT DUAL INDEX KICK OUT PLAN MARCH 2018 ISSUE 1 CREDIT SUISSE AG 6 YEAR INVESTMENT TERM POTENTIAL FOR 7.25% GROWTH PER ANNUM 60% EUROPEAN BARRIER
More informationPENSION VERSUS ISA FOR RETIREMENT
RETIREMENT ACCOUNT PENSION VERSUS ISA FOR RETIREMENT This information is for UK Financial Adviser use only and should not be distributed to or relied upon by any other person. PENSIONS AND INCOME DRAWDOWN
More informationInvestment Bond from Aviva
Retirement Investments Insurance Investment Bond from Aviva Investments that work as hard as you do We are Aviva Helping people save for the future and manage the risks of everyday life Life is complex
More informationLegal & General Capital Protected FTSE Bonus Plus Plan 1
Legal & General Capital Protected FTSE Bonus Plus Plan 1 Your opportunity to benefit from potential growth in the FTSE 100 Index with capital protection at maturity Offer open from 25 November 2009 to
More informationIncome Protection Benefit. How would you cope without an income?
Income Protection Benefit How would you cope without an income? Contents 3 Ensure you re ready 4 The plan - your questions answered 5 Being there for Michael when he needed us most 6 Income protection.
More informationThe UK Fixed Income Plan 5
The UK Fixed Income Plan 5 A six year fixed term investment providing a fixed income of either 5.75% (gross) once a year or 0.46% (gross) monthly. Your capital is not guaranteed and you may get back less
More informationDEPOSIT PLAN and ISA KEY FEATURES
Legal & General (Portfolio management SERVICES) LIMITED Legal & General Stock Market Linked Savings Bond 9. DEPOSIT PLAN AND ISA KEY FEATURES AND TERMS AND CONDITIONS 2 DEPOSIT PLAN and ISA KEY FEATURES
More informationDeposit Plan Key Features
LEGAL & GENERAL 6 year growth deposit bond 7 security and performance. Deposit Plan Key Features Designed to offer a 15% minimum return at the end of the six year term, or if greater; 100% of any capital
More informationFidelity Wealth Service
Fidelity Wealth Service Dear Investor, New opportunities. The perfect property. The ideal retirement. Or maybe just the freedom to make it up as you go along. At Fidelity Wealth, we know every investor
More informationPrivate Client Services. A personal service
Private Client Services A personal service An individual approach Managing your wealth requires many attributes, from clearly defined goals to sound advice and focussed investment research. But in our
More informationTHE MORGAN STANLEY DUAL INDEX DEFENSIVE KICK OUT PLAN 3
THE MORGAN STANLEY DUAL INDEX DEFENSIVE KICK OUT PLAN 3 INTELLIGENT INVESTING This Plan is not capital protected. You must be prepared to lose some or all of your Initial Investment. The Plan Manager for
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 informationADDING TO YOUR PLAN ABOUT THIS DOCUMENT. WHAT IS THE PLAN? MANAGING YOUR PLAN. PERSONAL PENSION NO.1 PLAN AND GROUP PERSONAL PENSION NO.
PERSONAL PENSION NO.1 PLAN AND GROUP PERSONAL PENSION NO.1 PLAN ADDING TO YOUR PLAN ABOUT THIS DOCUMENT. This document gives you the important information you need when making additional contributions
More informationCUSTOMER GUIDE TO INVESTOR PROTECTION
NVES OR ROTEC I N CUSTOMER GUIDE TO INVESTOR PROTECTION 5 PREVENTION 6 THE REGULATORY ENVIRONMENT 7 HOW WE INVEST YOUR PREMIUM 9 PROTECTION 13 CONCLUSION 14 GLOSSARY Utmost Wealth Solutions is the brand
More informationFLEXI-ACCESS DRAWDOWN MEMBER S GUIDE.
Personal Pension Plan No.1 (PPNo.1), Group Personal Pension Plan No.1 (GPPNo.1) and Buy Out Plan (BOP) FLEXI-ACCESS DRAWDOWN MEMBER S GUIDE. This is an important document that you should read and keep
More informationWITH PROFITS BONDS FUNDS GUIDE.
WITH PROFITS BONDS FUNDS GUIDE. You should read this document carefully and keep it safely together with the Key Features and your Personal Illustration. 2 WITH PROFITS BONDS FUNDS GUIDE WHAT IS THE FUNDS
More informationFlexible Income Annuity
Flexible Income Annuity Key Features This is an important document and you should read it before deciding whether to buy your pension annuity from us Purpose of this document This Key Features booklet
More informationYour guide to lifetime mortgages
Your guide to lifetime mortgages 1 What is a lifetime mortgage? 1 How you spend the money is up to you 2 We offer two Lifetime Mortgages 3 What difference could a lifetime mortgage make? 4 Discovering
More informationADDING TO YOUR PLAN ABOUT THIS DOCUMENT. WHAT IS THE PLAN? MANAGING YOUR PLAN. PERSONAL PENSION 2000 PLAN
PERSONAL PENSION 2000 PLAN ADDING TO YOUR PLAN ABOUT THIS DOCUMENT. This document gives you the important information you need when making additional contributions or transferring the value of other pension
More informationYour Guide to Regular Saver. Savings that work as hard as you do. Retirement Investments Insurance
Your Guide to Regular Saver Savings that work as hard as you do Retirement Investments Insurance Contents Savings that work as hard as you do 1 About Regular Saver 2 Natural choice for investments 4 World
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 informationLegaL & general StoCK market LinKeD SaVingS BonD 14.
LegaL & general (PortfoLio management SerViCeS) LimiteD LegaL & general StoCK market LinKeD SaVingS BonD 14. DePoSit PLan and isa KeY features and terms and ConDitionS 2 DEPOSIT PLAN and ISA KEY FEATURES
More informationKEY FEATURES OF THE LEGAL & GENERAL 6 YEAR GROWTH DEPOSIT BOND 12.
6 YEAR GROWTH DEPOSIT BOND ISSUE 12 KEY FEATURES OF THE LEGAL & GENERAL 6 YEAR GROWTH DEPOSIT BOND 12. Offering a return at the end of six years, the greater of either: 100% of the growth in the FTSE 100
More informationYour guide to Risk & Return
Your guide to Risk & Return 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 is
More informationUnderwriting empowerment and flexibility, focussing largely on Catastrophe exposures. Our willingness to look at new opportunities.
Property Binders Why MS Amlin? 01 02 03 04 05 A first class client experience delivered by people who understand your needs. Service. A rapid and pragmatic approach to all aspects of underwriting. Underwriting
More informationDrawdown due diligence
Drawdown due diligence Adviser considerations 30 March, 2017 Looking beyond just product features and price. Do you have the right platform or pension provider in place to meet your client s needs in drawdown?
More informationTax Year Rates and Allowances 2018/2019
Tax Year Rates and Allowances 2018/2019 Introduction We know tax can be complicated so we ve designed this document to help you understand the tax rates and allowances that apply for the 2018/2019 tax
More informationExpert wealth planning for. your future
Expert wealth planning for your future What is wealth planning? 2 Wealth planning (also called financial planning) is an expert service that looks at your wealth and financial arrangements as a whole,
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 informationWORKSAVE ISA: THE BASICS.
WORKSAVE ISA WORKSAVE ISA: THE BASICS. This brochure provides an overview of investments and describes the main features of the WorkSave ISA product. INSURANCE. SAVINGS. INVESTMENT management. CONTENTS
More informationFTSE 100 DEFENSIVE SUPERTRACKER PLAN - APRIL 2017
FTSE 100 DEFENSIVE SUPERTRACKER PLAN - APRIL 2017 PLAN 218 key dates Offer Closing Date 10 April 2017 Investment Start Date 12 April 2017 Maturity Date 12 April 2023 plan details 3 times growth multiplier
More informationInvestment management services for clients of financial advisers. Personal, professional service in partnership with your financial adviser
Investment management services for clients of financial advisers Personal, professional service in partnership with your financial adviser Our job is to offer you, as a client or potential client, a service
More informationYour guide to the fundamentals of investing
Your guide to the fundamentals of investing 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
More informationThe Bigger Picture. Personalised Investment Management
The Bigger Picture Personalised Investment Management For who you are today and where you ll go tomorrow Wealth is the ability to fully experience life In 1990, we started with a simple idea: to create
More informationPlatform Key Information Document
SELF-DIRECTED Explicit Pricing Model Platform Key Information Document Including the ISA and Investment Funds Key Features documents The information that follows is accurate to the best of our knowledge
More informationRIGHT UP YOUR STREET.
BUY TO LET LANDLORDS GUIDE RIGHT UP YOUR STREET. More and more people are renting. As a landlord you ve got enough to think about, without worrying if you ve made the right financial choices. Our advisers
More informationYour ISA Guide. All you need to know about tax efficient savings and investments...
Your ISA Guide All you need to know about tax efficient savings and investments... Contents This guide gives you all the key information you need to know about ISAs and how you can benefit from tax efficient
More informationFTSE 100 Enhanced Income Plan 1 (Adviser Fee Option)
Investment Plans FTSE 100 Enhanced Income Plan 1 (Adviser Fee Option) Fixed income payments of 0.58% per month (Option 1) or 0.42% per month (Option 2). If the FTSE 100 falls by more than 50% at any point
More informationWorkplace pensions AUTO ENROLMENT HAS TAKEN OFF
Workplace pensions AUTO ENROLMENT HAS TAKEN OFF INTRODUCTION The Government introduced auto enrolment to help more people save for their future. It means your employer will have to give you access to a
More informationPORTFOLIOS. The Jupiter Merlin Portfolios ON THE PLANET TO PERFORM. On the planet to perform
PORTFOLIOS The Jupiter Merlin Portfolios ON THE PLANET TO PERFORM On the planet to perform CONTENTS Welcome to Jupiter 1 An Introduction to multi-manager funds 2 Why choose a multi-manager fund? 3 Jupiter
More informationCo-operative Bank Cash ISA
Key features of our Co-operative Bank Cash ISA The Financial Conduct Authority is the independent financial services regulator. It requires us, The Co-operative Bank, to give you this important information
More informationAVAILABLE 29 OCTOBER to 21 DECEMBER This is an important document that you should keep in a safe place.
LEGAL & GENERAL 6 year ANNUAL BONUS DEPOSIT BONd ISSUE 1 KEY FEATURES OF THE LEGAL & GENERAL 6 YEAR ANNUAL BONUS DEPOSIT BOND 1. Offering a return of your investment at the end of six years, plus growth
More informationKEY FEATURES. This is an important document. Please keep it safe for future reference.
SELECT PORTFOLIO BOND (WEALTH MANAGERS) KEY FEATURES. This is an important document. Please keep it safe for future reference. Legal & General select portfolio bond 2 Select Portfolio Bond (WEAltH MANAGerS)
More informationFTSE 100 Defensive Step Down Kick-Out Plan 11
15th Europe Structured Products & Derivatives Awards 2018 Best Distributor, UK & Ireland Structured Products Potential for maturity at the end of years 2, 3, 4, 5 or 6 with a fixed payment equal to 6.35%
More informationWelcome to. Friendly Impartial Respected
Welcome to Friendly Impartial Respected We are expert Financial Planners, specialising in pensions, investments, mortgages, life, health and critical illness insurances. Since 1980, our experience has
More informationPlatform Key Information Document
SELF-DIRECTED Platform Key Information Document Including the ISA and Investment Funds Key Features documents The information that follows is accurate to the best of our knowledge and belief as at 06 April
More informationThe best rates for Expats. Guide To Your Wealth Management
Guide To Your Wealth Management 3 - Why Read This Guide 4-7 Risks Facing Larger Expat Savers 6 - Introduction to Portfolio Bonds 7 - Wealth Management & Tax 8 - Wealth Management & Insurance 9 - Wealth
More informationA three year investment offering a fixed annual 4.15% interest payment
The Royal Deposit Plan 5 1 Royal Deposit Plan 5 A three year investment offering a fixed annual 4.15% interest payment Plan/ISA Account Manager 2 The Royal Deposit Plan 5 The Royal Deposit Plan 5 is a
More information