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Gilliat Financial Solutions – Multi-Bank Deposit – Issue 1

Gilliat Financial Solutions – Multi-Bank Deposit – Issue 1

Type: Structured deposit

Aim: Growth linked to the performance of the index with counterparty risk diversified through five deposit takers – Arbuthnot Latham & Co, Julian Hodge Bank, Kleinwort Benson Bank, OneSavings Bank and Secure Trust Bank, while returns are provided by RBS

Minimum-maximum investment: £50,000-no maximum

Term: Five years and two weeks

Return: 100% of the growth in the index capped at 34% of the original investment

Protection: Original capital returned in full at the end of the term regardless of the performance of the index

Closing date: May 4, 2012

Commission: Initial 3%

Tel: 020 7012 2809


General issue

There are good opportunities for traditional generalist VCTs as banks shun loans to small firms

Fidelity’s Khan targets emerging market banks

Fidelity Worldwide Investment global high-yield fund co-manager Peter Khan says he will favour emerging market banks over developed market banks in the new fund. The fund, which launched this week for Khan and senior portfolio manager Ian Spreadbury, will invest in 150 holdings, principally in BB and B-rated credits, with the option to hold CCC-rated […]

Non-dom loophole shut on offshore bond gains

The Government has moved to close a loophole which allowed people with offshore bonds who live outside the UK to avoid paying tax on investment gains. Budget documents published last week contain details of a clampdown on gains arising in offshore bonds for non-domiciled individuals being used to offset gains when they become a chargeable […]

Liontrust assets under management jump 15%

Liontrust has reported a 15 per cent increase in assets under management in the past 12 months. In its latest trading statement, Liontrust has reported that assets increased from £1.34bn on March 31, 2011, to £1.55bn on March 27, 2012. Liontrust has reported £72m of net positive inflows in the last quarter and £146m on […]


Guide: how to change your auto-enrolment support

As we approach the two-year milestone of auto-enrolment, employers have had the opportunity to truly assess the capabilities of their chosen support. They are also now realising that getting to the staging date was the easy part, and that support is required for almost every aspect of the day to day running of their scheme. With the three-year re-enrolment window coinciding for many with the total removal of commission and Active Member Discounts from pension-related products and services, as well as the introduction of the pension charge cap in April 2015, many employers will have no choice but to review their support options. But, what is involved in transitioning your auto-enrolment scheme away from your current support options? This guide from Johnson Fleming aims to outline some of these key areas and provide information and discussion points on what you need to consider.


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