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Arc Capital & Income – Stepped Kick-Out Plan 4

Arc Capital & Income

Stepped Kick-Out Plan 4

Type: Capital-protected bond

Aim: Growth linked to the performance of the FTSE 100, S&P 500, and Nikkei 225 indices

Minimum-maximum investment: £3,600-£2m, Isa £7,200

Term: Six years and three weeks

Return: 19% of the original investment in year one if all three indices are at or above their initial levels, 38% in year two, 57% in year three, 76% in year four, 95% in year five, or 114% in year six

Guarantee: Original capital returned in full provided all three indices are at or above 50% their initial levels at the end of the term

Closing date: May 21, 2008, Isa transfers May 14, 2008

Commission: Initial 3%

Tel: 0845 890 8915


Annuities fail flexibility test

My many years of experience in advising individual and corporate clients about annuities and drawdown, advising insurance companies about product development and speaking with the Government and regulators leaves me in no doubt that drawdown will continue to replace annuities as the preferred option for many middle-Britain investors. That is, provided that clients get the correct advice and the industry continues to develop innovative products like variable annuities.

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