View more on these topics

Julian Gibbs

Despite a few structured products failing to return investors&#39 capital in full, nearly 500 products have been offered this year compared with just over 300 for the whole of 2002. There are now over 80 product providers, including a few IFA groups, which are issuing their own products, so the competition is hotting up.

Future Value Consultants has launched, an innovative system which helps product providers in the pricing, analysis and design of new structured products. It provides indicative market pricing and historical data from the underlying assets, easy definition and saving of underlying assets and product types from templates for future use, plus information on benchmark products and current market offerings.

It also provides product pricing, analysis of product outcomes, using both historical and simulated data, the ability to search for products in a target price range and the ability to use prices seen in the market to quickly price other products on a consistent basis.

This completely new system will provide product providers with more analysis of structured products than has ever been offered before, enabling them to obtain the best value in innovation for their products before they purchase the necessary assets.

It will greatly speed up the design process of any one looking for a new structured product to bring to the market.

Future Value Consultants also provides the most in-depth analysis available on the market and rates products for each type of taxpayer and tax wrapper. The two highest-rated plans available until January 9, 2004 are Keydata dynamic growth and Keydata extra income.

Every IFA should look at its website before recommending these products to clients.


Pensions edge

Not so long ago, to compare the relative merits of Sipps and stakeholder would be like arguing over which would win in a fight between a polar bear and a crocodile – it is intellectually stimulating if you are drunk but otherwise fairly pointless because they live in totally different worlds (besides, the crocodile is […]

Woolwich Plan Managers – The Premium Protected Growth Plan

Type: Guaranteed equity bond Aim: Growth linked to the performance of the FTSE 100 index Minimum-maximum investment: £3,000-£500,000, £1,500 Isa/Pep transfers, £3,000-£7,000 Isa Term: Five years and six months Guarantee: Original capital returned in full at end of term regardless of movement in indices Return: Up to 100% growth in index Closing date: January 15, […]

The Private Health Partnership – HealthSaver

Type: Budget individual private medical insurance Minimum-maximum ages: 45-79 Minimum premiums: Selected self pay level £1,500 &#45 £42.19 level 1 hospitals, £33.70 a month level 2 hospitals, selected self-pay level £3,000 &#45 £31.10 a month level 1 hospitals, £25.54 a month level 2 hospitals, selected self-pay level £5,000 &#45 £25.32 a month level 1 hospitals, […]

Leeds & Holbeck – 25-Year Fixed Rate

Type: Fixed-rate mortgage Fixed term: Until March 1, 2029 Fixed rate: 5.99% Minimum loan: £25,000 Maximum loan: Up to 90% of valuation subject to a maximum of £300,000, up to 85% of valuation subject to a maximum of £400,000, up to 80% of valuation subject to a maximum of £500,000 Income multiples: Up to 90% […]

Changes to early exit pension charges

In November last year, the FCA announced that from 31 March 2017, early exit pension charges will be capped at 1% for those customers who are eligible to access their retirement savings from age of 55. The rules also state that for new personal pension plans started after that date, or on new increments into […]


News and expert analysis straight to your inbox

Sign up


    Leave a comment


    Why register with Money Marketing ?

    Providing trusted insight for professional advisers.  Since 1985 Money Marketing has helped promote and analyse the financial adviser community in the UK and continues to be the trusted industry brand for independent insight and advice.

    News & analysis delivered directly to your inbox
    Register today to receive our range of news alerts including daily and weekly briefings

    Money Marketing Events
    Be the first to hear about our industry leading conferences, awards, roundtables and more.

    Research and insight
    Take part in and see the results of Money Marketing's flagship investigations into industry trends.

    Have your say
    Only registered users can post comments. As the voice of the adviser community, our content generates robust debate. Sign up today and make your voice heard.

    Register now

    Having problems?

    Contact us on +44 (0)20 7292 3712

    Lines are open Monday to Friday 9:00am -5.00pm