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Morgan Stanley IQ – FTSE Defensive Digital Growth Plan

Morgan Stanley IQ – FTSE Defensive Digital Growth Plan

Type: Capital-protected bond

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

Minimum-maximum investment: £3,000-no maximum, Isa £10,200

Term: Six years and two weeks

Return: 60% growth provided the index does not fall by more than 20%

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

Closing date: January 10, 2011, December 31, 2010 for Isa transfers

Commission: Initial 3%

Tel: 020 7425 9000


Towergate buys Origen healthcare arm

Origen has sold its healthcare business to Towergate Healthcare, a trading name of Towergate Underwriting Group. The deal involves Origen’s book of private medical insurance business and the transerral of six Origen employees. The terms of the sale have not been disclosed. The two firms have agreed a strategic partnership which means that Towergate will […]


Treasury to propose early access for pensions

The Treasury is set to outline proposals to allow people to access up to 25 per cent of their pension fund early, Money Marketing understands. It is understood that a consultation paper proposing early access is due before the end of the year following a commitment in the coalition Government’s agreement to “explore” the issue. […]

The principle process

Stephen Hocking, partner at law firm Beachcroft, says the limits of principle-based regulation are set to be tested in the British Bankers’ Association’s judicial review of the FSA’s PPI complaint policy


MM leader: Axing independent appeals would be a backward step

The regulatory decisions committee plays an important role in holding the FSA to account over its enforcement, authorisation and supervisory decisions. It is made up of 11 members from across the industry and includes lawyers, advisers and actuaries. It acts as a vital independent adjudicator of regulatory decisions which affect people’s livelihoods. It is therefore […]


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