Looking at the product literature, the panel are again complementary. Jackson feels that it is clear and concise but that details of the charges are not well laid out, while Cuthbert says: "The literature is attractive, well set out and provides all the required information about the product."
Flowers adds: "The literature is good. It provides and clear and concise explanation of what is a complex concept."
Summing up Jackson says: "On the whole I would use this product in my recommendations for the right client. However a clarification of the charges and commission needs to be made in the product literature, as this is not clear at all at first glance."
Flowers concludes: "By providing this product Royal Skandia has proved that it is leading the way in the basic multi-manager product."