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Julian Gibbs

Despite volatile world stockmarkets, stockmarket-linked high-income

products have proved very popular with both the public and IFAs.

Future Value Consultants, an independent analyst rating these

products, asked IFAs to vote on the products they like best.

The winner was the NDF Abbey National extra income and growth series,

which gave investors an income of 10 per cent or more with a low

downside risk over periods of around three years.

The runner-up was GE Life with its income & growth plans. These

usually gave a slightly lower income than the NDF plans but with

slightly more security.

Some way behind, but also good products, came the AIG Life

stockmarket income bond series 4 and Scottish Life income &

growth bonus bonds 4, 5 and 6.

The top five scoring products were all part of a series of tranches

offered by their provider, which shows that IFAs and investors

appreciate multiple offerings of similar products.

The companies that scored badly were those offering just one

investment in the year. One-year plans were not at all popular,


Income products were much more popular than growth products and, as

interest rates continue to remain low, I expect this trend to carry


I believe that Future Value Consultants is providing a first-class

service and the results of the poll show that the products to which

FVC gave very high ratings were generally the most popular, too.

Such products, from NDF in particular, are always well worth

considering. I believe it will shortly be coming up with another 10

per cent income plan with a low downside risk.


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