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NPI launches Portfolio Bond

NPI is launching a Portfolio Bond offering a range of ethical funds plus unit linked and with-profits investment options.

The new bond which has no upfront charges, has an annual management charge of between 1 and 1.25 per cent.

The investment options include with-profits, balanced protection, socially responsible and self selector portfolios.

The minimum investment is £10,000 with an allocation rate of 100 per cent, this rate increases to 100.5 per cent for investments of between £25,000 and £49,999 and to 101 per cent for sums over £50,000.

There is a discontinuance charge in the early years of 9 per cent in year one, decreasing by 2 per cent a year to 1 per cent in year five.

Standard IFA commission is 5.25 per cent.


Bradford & Bingley&#39s conversion could kill the mutual sector

The Treasury Select Committee inquiry into mutuality has been warned Bradford & Bingley&#39s proposed conversion will kill the mutual building society sector.Loughborough University professor of money and banking David Llewellyn warned the Committee investigating demutualisation the building society sector will be plunged into chaos and will not be able to compete with plcs if B&B […]

National Mutual launches five managed equity funds

National Mutual is launching a range of five actively managed equity funds to complement its existing range of pension funds.The five funds which constitute the select equity range will be managed externally. This follows the pension specialist&#39s decision to out-source the management of its equity funds in October last year.The UK equity and North American […]

NatWest launches discount mortgage range

NatWest Mortgage Services has launched a range of discount rate mortgages exclusive to the intermediary market.The range includes a two-year discount of 0.95 per cent until September 30, 2001 with a payable rate of 5.94 per cent. This loan has no early redemption penalties.The range offers a number of one, two and three-year discount rates […]

Negative equity protection for homeowners

Protection specialist Equity Protection Policy UK has launched an insurance product to protect home owners from the effects of negative equity.The Equity Protection Policy guarantees the value of a homeowner&#39s property for a ten-year period. The level of cover chosen is fixed at outset and can be up to £10,000. It is payable as a […]

The changing world of professional connections

The Legal Services Act of 2007, which opened up the legal market to competition, has put the cat among the professional pigeons. In the words of a 2015 Law Society report on what the legal profession is likely to look like in five years’ time: “Business as usual is not an option for many, if […]


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