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Morgan Stanley IQ – FTSE Protected Growth Plan 49

Morgan Stanley IQ – FTSE Protected Growth Plan 49

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: 35% growth plus the original capital at the end of year three provided the index has grown by 5% or more, otherwise 100% of the growth in the index at the end of the term

Protection: Original capital returned in full at the end of the term regardless of the performance of the index

Closing date: July 26, 2012, July 19, 2012 for Isa transfers

Commission: Initial 3%

Tel: 020 7425 9000


Chris Hannant: Regulatory notes

In May 2011, pensions minister Steve Webb raised concerns about the enhanced transfer value market. The Department for Work and Pensions followed this up by conducting research and concluded there were issues that needed to be addressed. Rather than imposing a regulatory solution, it was agreed that an industryled code of practice would be a […]

Shareholders get binding pay vote every three years

Shareholders will get a binding vote on firms’ remuneration policy at least every three years, under plans put forward by the Business Secretary today. Currently shareholders get an annual vote on pay but it is not binding. In March, the Department for Business Innovation and Skills published a consultation which proposed giving shareholders an annual […]

Out of Context

“I haven’t picked up the FT in about a week. I tend to read the Beano and Dandy when I’m on holiday.” Emba group sales and marketing director Mike Fitzgerald “Did you write that one?” ABI director general Otto Thoresen to Martin Lewis on his evidence that someone had left a comment on his facebook […]

Ex-Honister Capital chief Pearson joins PosSol as COO

Aegon-owned IFA Positive Solutions has appointed former Honister Capital chief executive Richard Pearson to the new role of PosSol chief operating officer. Aegon chief operating officer for distribution Iain Black was responsible for PosSol and Origen. He quit last October to pursue a consultancy role. Pearson left Honister at the end of March after less […]

Guarantees in the retirement income market

Lorna Blyth, Royal London  Do guarantees benefit customers and, if so, when? To answer this conundrum we commissioned Millimans, a global actuarial consulting firm, to conduct an independent review of the UK retirement income market and whether guarantees really do offer customers better value for money. The brief The study was one of the most comprehensive undertaken […]


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