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Merchant Capital – Income Plan: Phoenix

Merchant Capital – Income Plan: Phoenix

Type: Capital-protected bond

Aim: Income linked to the performance of the FTSE 100 and EuroStoxx 50 indices

Minimum-maximum investment: £5,000-£2m, Isa £10,200

Term: Six years

Return: 9.5% income a year providing both indices are above 75% of their initial value at each anniversary but plan matures if both indices are at or above their initial values at any anniversary

Protection: Original capital returned in full at the end of the term provided neither index falls by more than 50% without returning to at least its initial value by the end of the term

Closing date: December 6, 2010, November 29, 1010 for Isa transfers

Commission: Initial 3%

Tel: 020 7332 2200


A study in equity release

Older generations want to financially help their children and grandchildren and equity release can play a big part

Sipp and wrap business drive Standard growth

Standard Life’s UK business has increased 10 per cent this year, driven by strong growth in its Sipp and wrap propositions. The life and pension provider’s third-quarter results, announced last week, revealed that total assets under administration backing products in the UK grew from £98.6bn on January 1 to £108.4bn by September 30. Customer numbers […]

ASA rules Asda life cover ad is misleading

The Advertising Standards Authority has upheld complaints against Asda Financial Services and ruled that its ad for over-50s life cover is misleading. The TV ad features a woman saying the policy costs from £5 a month. The woman adds: “…and because it is Asda I can always make sure that I never pay more for […]

DWP rejects pan-European pensions regulation proposal

Pensions minister Steve Webb has rallied against EU Commission proposals to establish a “one size fits all” regulatory system across the European Union. The Green Paper, unveiled earlier this year, asks if a new solvency regime similar to Solvency II in the insurance sector should be introduced for occupational pensions. The suggestion led to concern […]


White paper — Dubai International Insights

Jelf Employee Benefits discusses the legislative changes in Dubai, available medical facilities and policy considerations for employers with expatriate workforces in the country. This edition will be of particular interest to global human resource directors, compensation and benefits specialists and mobility managers who have employee populations in Dubai, or are considering operating there in the near future.


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