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HSBC Asset Management – HSBC Ladder Plan

Type: Capital-protected bond

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

Minimum-maximum investment: Lump sum £3,000-no maximum,
Isa £7,000

Term: Five years

Guarantee: Original capital returned in full along with 6% growth at
end of term regardless of performance of index

Return: Between 6% and 300% growth at end of term

Closing date: January 9, 2004, Pep and Isa transfers December 10,

Commission: Initial 3%

Tel: 0800 181890


The green house effect

The Ethical Investment Association is holding a seminar with the theme of Property and Land, the Ethical Way. Being held in Birmingham on December 1, the seminar will look at alternatives to equities and sociallyand environmentally-responsible ways of borrowing to finance house purchases. Speakers will include John Fleetwood of Philips Securities, discussing a new discretionary […]

Norwich Union pulls long term care bond

Norwich Union has announced it is pulling its Flexible Protection Bond product and leaving the pre-funded long term care bond market. However, it will still offer a pre-funded insurance product.Effective from November 24, NU says there will be no impact on existing customers from the change. Applications for the product received prior to close of […]

Leaping the hurdles

Being an IFA should be an ideal job for a woman. The hours are flexible and home working is possible, so work can be planned to fit around family life. Yet the IFA market is still dominated by men. In a recent survey by Aifa, only 10 per cent of respondents were women. Advisory & […]


“No. The literature is adequate and IFAs know how to use it.”Vaughan Hart, Vaughan Hart Personal Financial “To an extent. But at the end of the day, provider literature should be compliant and reliable.”John O&#39Hare, Cameron Chase “No. All the information is there to be used and it is reliable for advice.”Paul Green, ACP Independent […]

Rise of the machines

Head of Sustainable Investing at Royal London Asset Management, Mike Fox, looks at the case for including artificial intelligence within a sustainable investment strategy. Read the article in full here The value of investments and the income from them is not guaranteed and may go down as well as up and investors may not get […]


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