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7% growth offered on PFM plan

Premier Fund Managers has set up a structured plan offering 7 per cent growth a year even if the markets stays flat. Available from September 1, Premier limited edition no 11 is a six-year FTSE 100-based growth plan. However, it can mature early at the end of years one to five depending on the index performance, with 100 per cent redemption of capital plus 7 per cent of capital growth if the FTSE 100 index is at or above its start value on any of the plan&#39s anniversary dates. If the plan reaches maturity and the final value is lower than the start value, the investor gets all their capital back as long as the index has not dropped by 50 per cent or more at any point during the plan&#39s life. Commission is 3 per cent.

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Bagger questions values

Standard Life carpetbagger David Stonebanks is taking the company to task over the way it used its institutional shareholder vote to reject Debenhams&#39 recent share offer. Standard Life Investments head of UK equities David Cumming was recently reported as saying the 425p a share offer for Debenhams undervalued the company against the sector and the […]

Advisers criticise DWP over new CETV rules

Trustees will no longer need to provide details of why cash-equivalent transfer values have been reduced under new Department for Work and Pensions rules published this month. Advisers say the change means that individuals wanting to transfer their pension rights out of occupational schemes have no way of knowing whether CETVs have been calculated in […]

Plan Invest buys up IFA firm&#39s client base

Plan Invest is buying the client bank of Llandudno IFA David Chamings in the first of a potential series of acquisitions aimed at boosting its sales and ongoing commission. Cheshire-based Plan Invest will inherit around 150 investment clients from the business, which has been run on a non-discretionary basis by a husband and wife team […]

Inside edge

I am not sure that I agree with the commonly held view that the only alternative to final-salary or defined-benefit schemes is for employers to switch to groupings of personal pensions or stakeholder pensions instead. That is a step-change for many bigger employers that could be difficult for them to sell to their employees. That […]

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(Another) downhill stroll — retirement planning

A report published this morning by the CIPD (CIPD Employee Outlook March 2015) provides yet more interesting data to the changing landscape of retirement planning. It should be remembered that we are in a period of genuine flux here given that the default retirement age was scrapped three years ago, and new pension freedoms come online in April. Both of these alterations will have a huge impact on how employees plan for their retirement.

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