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Investec Structured Products – FTSE 100 Bonus Income Plan 20

Investec Structured Products – FTSE 100 Bonus Income Plan 20

Type: Capital-protected bond

Aim: Income and the return of capital linked to the performance of the FTSE 100 index

Minimum-maximum investment: £1,500-£1m, Isa £10,680

Term: Five years and one week

Return: Investec version annual option– 6.75% income a year regardless of index performance plus 0.5% annual bonus provided the index is above its initial value, monthly option– 0.54% income a month regardless of index performance plus 0.04% monthly bonus provided index is above its initial value, UK 5 version annual option – 6.25% income a year regardless of index performance plus 0.5% annual bonus provided the index is above its initial value, monthly option –0.5% income a month regardless of index performance plus 0.04% monthly bonus provided index is above its initial value

Protection: Original capital returned in full at the end of the term provided the index does not fall by more than 50% without returning to at least its initial value

Closing date: January 13, 2012, December 30, 2011 for Isa transfers

Commission: Initial 3%, initial 1%, or initial 1% plus renewal 0.45%

Tel: 0207 597 4065

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England vs Australia: pensions

Well, the cricket season is here, and England and Australia are stepping up to the wicket. Although we compete with each other in the sporting world, when it comes to pensions, Australia’s pension programme is held up as a model for our auto-enrolment initiative. Auto-enrolment was introduced because people weren’t saving enough into their pensions, and it is still early days but signs are positive. However, in Australia, saving into a pension is compulsory, and in fact employers are the ones who have to pay in. Employees in Australia can make additional contributions into their pensions, but they don’t have to. Should the onus be on the employer or employee to save? Well in the UK we think it’s both, but to get ‘adequate’ savings for retirement it’s the employee who has to pay more in.

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