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Drag hunt

Keith Popplewell&#39s article did not specifically limit the comments to pension funds and endowment policies (Money Marketing, August 28).

If Mr Popplewell was also referring to with-profits capital investment bonds, he should be taking into account the potential heavy drag on future returns resulting from regular withdrawals and death benefits being paid without the application of a market value adjustment.

This factor could be as significant as asset allocation, especially in a closed fund.

Ian Henderson Ian Henderson & Associates, Aldeburgh, Suffolk

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