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Clerical Medical – Secure Investment Plan 1

Clerical Medical – Secure Investment Plan 1

Type: Capital-protected Oeic

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

Minimum investment: Lump sum 5,000

Isa link: Yes

Pep transfers: Yes

Term: Five years and six months

Return: 110% of the growth in the FTSE 100 index at end of the term

Guarantee: Original capital returned in full regardless of the performance of the index

Closing date: April 8, 2005, April 5, 2005 for Isas, March 21, 2005 for Pep/Isa transfers

Charges: Initial 7.25%

Commission: Initial 3%



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The Smiths are keen to implement a savings strategy for their two children – James, who is seven, and new arrival Matthew.The grandparents have said they will help but the Smiths are confused. What should they be advised?

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Critical list

The critical sector is still in a state of flux but eventually it must move to cover only core illnesses and simplify the processes.


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