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Investec Structured Products – FTSE 100 Deposit Growth Plan 4

Investec Structured Products – FTSE 100 Deposit Growth Plan 4

Type: Guaranteed equity bond

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

Minimum-maximum investment: £1,500-£1m, Isa £10,200

Term: Five years

Return: Investec version – 100% of the growth in the index at the end of the term subject to a cap of 50% of the original investment, RBS version – 100% of the growth in the index at the end of the term subject to a cap of 35% 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: November 12, 2010, October 29, 2010 for Isa transfers

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




‘Your country needs you’, says David Cameron

David Cameron has restated his belief in big society and said his Government will help build a nation of “doers and grafters”. Speaking to the Conservative party conference in Birmingham today, the Prime Minister declared: “Your country needs you.” He drew on examples of local activism as examples of the “spirit” of big society but […]

Wine investors being misled over IHT

Investors are being misled over the inheritance tax benefits of buying into wine and could face “huge” unexpected bills from HMRC, a national accountancy has warned. UHY Hacker Young says wine is being touted as a tax planning tool, with wine investment firms saying its value for IHT purposes is based on the price it […]

Food for thought

Food inflation is something that affects everyone but there are investors who aim to make money out of this event. Bad weather and continued uncertainty in the economic recovery appear to be a boon for the continuation of the commodities’ story. Alliance Trust Research highlighted that after almost doubling in July, food price inflation ticked […]

Investors misled on IHT benefits of buying wine

Investors are being misled over the tax benefits of buying into wine and could face “huge” unexpected bills from HM Revenue & Customs, a national accountancy firm has warned. UHY Hacker Young says wine investors can get some benefits under capital gains tax rules that define wine as a “wasting asset” but there are no […]

Apple: a stellar technology story

By Ali Unwin, head of technology sector research

Apple recently announced the highest-ever recorded quarterly net profit ($18bn), with the sale of 74.4 million iPhones helping the company deliver $74.6bn of revenue for the quarter ending December 2014. These sales were largely driven by strong demand for the new iPhone 6 and iPhone 6 Plus. Highlights included Chinese iPhone sales doubling year-on-year and unit growth of 44% in the US — supposedly a well-penetrated market. Apple ended the quarter with $178bn in cash on its balance sheet, having generated a staggering $30bn in free cash flow during the quarter.

At Neptune, we have been long-term believers in the Apple story, and continue to hold the stock in a number of our portfolios based on the company’s long-term growth prospects. This is predicated on our belief that Apple has proved thus far that it can — unusually for a consumer electronics company — maintain high margins for a sustained period of time, even as adoption of new technology slows down and competitors produce similar-specification products.


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