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Is this product
right for you? |
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This investment may not be suitable for you
if:
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You are not looking for an investment linked to the
performance of stock markets
•
You want a regular income
•
You may need immediate access to your
money
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You want to add to your investment on a regular basis
•
You do not have £7,200 to invest |
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This investment may be suitable for you if:
• You want a potential fixed growth return
at maturity
•You want a
capital secure investment
•You don’t need
access to your money over the next 5 years
•You have a
minimum of £7,200 to invest
•You want a tax
efficient investment
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Investment Risks
• Your circumstances could change, forcing early encashment of your
Plan. If this happens, you may get back less than the amount you
originally invested. The value of the Plan will be determined by the
price at which the Investments can actually be sold on the relevant
Dealing Date. See ‘What happens if I cash my investment in early?’
on page 9 of the brochure.
• 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
any previous PEPs, now known as ISAs) 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.
• The investment requires the purchase by the Plan Manager of one or
more securities with a fixed maturity date. These will be held on
your behalf and will have been specifically structured to match the
Investment Objectives of the Plan. The Issuer of the Securities’
capacity to meet its financial commitments is considered strong.
This is supported by an independent assessment from a leading credit
rating agency, Standard & Poor’s, which gives the Issuer a rating of
A+ as at 15th April 2008.
However, there is a risk that the Issuer may fail to meet its
obligations. In addition, the terms of the investment may permit the
issuer of those investments to withhold, defer, reduce or even
terminate payments in certain events, as a result of which investors
may receive less than they would otherwise or may have to wait for
the proceeds.
• The FTSE™ 100 Index is a capital-only index and takes no
account of dividend returns. As a result you will not receive any
dividend payments or distributions.
• Linking the final amount you will get back to the closing level of
the FTSE™ 100 Index on one particular day means that the growth
could be subject to short term market fluctuations at that time.
• 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 refer to the Brochure and the Terms & Conditions for full
details.
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