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Is this
product
right for you? |
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Yes ,
I am happy to invest because:
• I am unlikely to need access
to my moneybefore the end of the chosen investment term
• I want the opportunity to receive a return greater than
that provided by an ordinary deposit account at the end of
the investment term
• I want the option of potentially using my Capital Gains
Tax annual exemption and I accept that the rules governing
this tax and its exemptions might have changed when the plan
matures and that I might have to pay tax
• I want the flexibility to use my ISA allowance on the
five-year option or leave it free for another type of
investment
• I have a minimum of £3,600 to invest
Capital Protected options only:
• I know that my original money will be repaid, provided
that I leave it for my chosen investment term
Annual Kick-out option only:
• I am willing to risk the possibility of a capital loss for
the potential of a high fixed return |
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No ,
this plan probably isn’t right for me
because:
• I don’t want to risk earning no return on
my capital which is less than I would have earned from a
bank account
• I might need access to some of my money before the end of
the chosen term and cannot risk getting back less than I
invested
• I want a regular income from my money
• I am a regular saver and prefer to add to my investments
from time to time
• I don’t have enough spare money to cover any unexpected
emergencies
Annual Kick-out option only:
• I don’t want to risk losing any of my capital
• I need to know for how long my money will be locked up
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RISKS
• It is important to understand that this Plan does not include the
security of capital which is afforded under a deposit with a bank or
building society.
• You should only invest in the Defined Returns Plan if you are sure
that you will not need to access your invested capital over your
chosen investment term. If you withdraw early, you are unlikely to
receive back the full amount you originally invested.
• Investing in this product is not the same as
investing in shares. Payment of the investment return
depends upon the FTSE® 100 Index not finishing below the
Initial Index Level. You need to bear in mind that the
FTSE® 100 measures only capital values of the shares
included; no allowance is made for dividends paid on the
shares.
• Remember, whatever payment is made
when your plan matures, inflation over the plan’s term
will have reduced the value of what you receive.
• The levels and bases of taxation and reliefs from taxation can
change at any time. The value of any tax reliefs depend on
individual circumstances. The favourable tax treatment of ISAs and
PEPs may not be maintained in the future.
• Consideration given prior to making a transfer of existing
investments should include the exit and associated charges of
transferring your existing investments and the potential for loss of
income or growth whilst the transfer is pending. Applications to
transfer existing ISAs and /or PEPs must be received by Woolwich
Plan Managers before 5pm on 21 March 2008. If this date is
missed, it may not be possible to re-instate your plan with the
previous account manager.
• Past performance should not be seen as an indication of future
performance.
• Careful consideration should be given to the benefits and risks of
this Plan and its suitability to your own personal circumstances and
attitude to risk. We would recommend that you take professional
advice before investing.
• Please read the FSA Structured Capital at Risk
Products Information.
Please refer to the Brochure and the Terms & Conditions for full
details.
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