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Morgan Stanley IQ – FTSE Income Plan 5

Morgan Stanley IQ – FTSE Income Plan 5

Type: Capital-protected bond

Aim: Income and the return of capital linked to the performance of the FTSE 100 index

Minimum-maximum investment: £3,000-no maximum, Isa £10,680

Term: Three years

Return: 1.45% income a quarter regardless of index performance

Protection: Original capital returned in full at the end of the term provided index does not fall by 50% or more without returning to at least its initial value

Closing date: March 8, 2012

Commission: Initial 3%

Tel: 020 7425 9000


Old Mutual merges European wealth management with Skandia unit

Old Mutual is to combine its continental Europe wealth management business and its Skandia Europe retail businesses. The decision to merge the two units was taken following a strategic review of the businessess, given the maco-economic climate and regulatory changes in the European market. The wealth management business covers France and Italy, and the Skandia […]


Phil Jeynes: The importance of trusts

It is a constant source of surprise to me that the majority of protection products sold are not placed into trust. It seems impossible to obtain any reliable industry data on this matter, but the best guesses of the selection of life insurance aficionados I consulted, placed the percentage of policies not written in trust […]


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