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Aviva Investors – Defined Returns Fund 7

Aviva Investors – Defined Returns Fund 7

Type: Capital-protected Oeic

Aim: Growth linked to the performance of the FTSE 100 index

Minimum investment: Lump sum £1,000, Isa £500

Term: Five years

Return: 12.5% at the end of year two, 18.75% at the end of year three, 25% at the end of year four or 31.25% at the end of year five

Protection: Original capital returned in full provided the index does not fall by more than 50% by the end of the term

Closing date: December 3, 2010,  Isa transfers November 3, 2010 for external Isa managers, November 23, 2010 for building society partners

Charges: Initial 7.15%

Commission: Initial 3%

Contact: www,


F&TRC issues draft statement to improve client retention

The Finance & Technology Research Centre has issued a draft good practice statement urging providers to contact advisers sooner if protection clients miss payments. F&TRC says the statement aims to increase the speed at which providers inform advisers when a client misses or cancels their direct debit payments so they can be contacted “in a […]


FSA joins McDonald’s RDR row

FSA director of conduct policy Sheila Nicoll (pictured) has agreed with Treasury financial secretary Mark Hoban’s view that advisers must raise their qualification above a diploma in shift management at McDonald’s. In a Westminster Hall debate yesterday which addressed the RDR’s impact on advisers, Hoban said: “The current minimum financial adviser qualification is at the same […]

Former FSA chairman Davies joins Pru board

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Just Retirement group embedded value more than doubles

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A DGT with 100% access and 100% discount?

Clare Moffat, Technical Manager, looks at the benefits of pensions from an IHT perspective. 100% access and 100% discount – what type of wrapper could this be? A pension! Post flexibility there is 100% access (for those over 55) and normally pensions are inheritance tax (IHT) free. With flexibility the options available on death mean […]


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