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CIS makes platinum bond transparent

CIS is making changes to its Platinum Bond Plus with-profits bond to make it more transparent.

The bond now has a one-off charge of 4 per cent and there are no annual charges, bid-offer spreads variable initial allocations or exit penalties.

The annual bonus rate remains at 5 per cent and is guaranteed for the whole first year of the plan. A special bonus of up to 2.75 per cent will be added to the policy on the first anniversary.



The pension industry&#39s commitment to stakeholder is plain to see. At the time of writing, there are 40 schemes registered with Opra, so customers will have plenty of choice. But who will those customers be? The Green Paper published in December 1998 identified a target group of 5.3 million people who do not have access […]

Will it be a soft landing for stakeholder?

Around 40 pension providers will be on the starting line in the stakeholder race following acceptance of their entries by Opra. The amended stakeholder regulations came from the Government at the very last moment but held little to delay preparations for the launch. There is little margin for error in the regime imposed on providers […]

Business confidence down

Business confidence amongst financial services firms suffered its biggest fall for two years in the last quarter, according to a survey by Confederation of British Industry and PricewaterhouseCooper.The survey shows 35 per cent of respondents were less optimistic than three months ago, while 13 per cent were more optimistic, giving a balance of minus 22 […]

Mistaken basis for Government pension policy

“While financial advice can be valuable, it is not a necessary condition for all savings and investments that are suited to people&#39s individual needs and circumstances. For example, Catmarked products and stakeholder pensions are products whose standards mean that investors should be able to get a good deal without needing to pay for financial advice.” […]


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