View more on these topics

Morgan Stanley IQ – FTSE Defensive Bonus Plan 2

Morgan Stanley IQ – FTSE Defensive Bonus Plan 2

Type: Capital-protected bond

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

Minimum-maximum investment: £3,000-no maximum, Isa £11.280 Term: Six years

Return: 19% growth plus capital at the end of year two provided the index does not fall by more than 10%, 28.5% growth plus capital at the end of year three, 38% growth plus capital at the end of year four, 47.5% growth plus capital at the end of year five or 57% plus capital at the end of year six

Protection: Original capital returned in full at the end of the term provided the index does not fall by 50% or more by the final day of the term

Closing date: June 11, 2012, June 1, 2012 for Isa transfers

Commission: Initial 3%

Tel: 020 7425 9000

Recommended

3

HMRC to rewrite RDR consultancy charging guidance

HM Revenue & Customs is preparing to rewrite its consultancy charging guidelines after insurers raised concerns members could be hit with unauthorised payment charges. The principle of adviser-charging will be applied to corporate pensions through consultancy charging. HMRC guidelines state any consultancy charge levied from the product must be for advice only. If it includes […]

3

What Advisers Are Saying: Indy Vs restricted

Estragon: “Nothing to be done.” Vladimir: “I’m beginning to come round to that opinion.” I attended the excellent Winning Advisers event last week, with key decision-makers from some of the top advisory business. During one session, weighing up the merits of independent v restricted models, I couldn’t help but think of Waiting for Godot, Samuel […]

What's going on in the 'offshore' world?

Graeme Robb, Senior Technical Manager at Prudential, explores the current state of the nation for offshore issues and highlights areas which may be particularly relevant to advisers. In the context of insurance companies, ‘offshore’ can be a relatively straightforward matter. Like their onshore equivalent, offshore bonds are ‘non-qualifying’ for tax purposes, meaning that all gains […]

Newsletter

News and expert analysis straight to your inbox

Sign up

Comments

    Leave a comment