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Gearing up for Tep deals

Tep market maker Policy Portfolio is publishing a guide explaining to IFAs the gearing process which enables investors to get more Teps for their money.

Policy Portfolio says gearing is a relatively simple process but it believes it is a concept not many IFAs understand. It says UK and offshore banks will often lend up to 90 per cent of the surrender value of an endowment product, which lets investors combine their investment capital with a bank loan to buy more policies than would be otherwise possible.

Policy Portfolio acts an introducer between investors and lenders which consider whether to provide loans secured against a portfolio of Teps. It believes its Tep gearing plan provides IFAs with the means to add a product to their portfolio which combines low risk and high returns.

The guide, Tep Gearing Plan – Accelerate Investment Potential, is available free by calling Policy Portfolio&#39s London office or from

Managing director Brian Goldstein says: “Gearing is actually quite straightforward but not all IFAs are familiar with the process.”


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