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Scottish Equitable – Flexible Pension Plan

Individual personal pension with insured and self-invested options

Minimum premium:
Insured option &#45 £20 a month, £200 a year,
lump sum/transfers £2,500.
Self-invested option &#45 Lump sum £2,500

Minimum-maximum ages:

Fund links:
Insured option &#45 choice of 40 internally managed funds and 26 externally managed funds from Baillie Gifford, DWS, First State, Invesco Perpetual, Lazard, Merrill Lynch, Newton, Northern Trust, SocGen and UBS. Self-invested option &#45 choice of 550 funds from 28 fund management groups via fund supermarket and all other Inland Revenue permitted investments including commercial property

Allocation rates:

Minimum term:

Defined lifestyle option moving into lower-risk investments as retirement approaches

Establishment charge up to 0.5% a month for five years,
annual 1%, external funds annual up to 0.55% depending on fund, additional charges for self-invested option

Menu based on establishment charge &#45 lump sum investments/transfers &#45 initial up to 7%, fund-based up to 0.5%, annual/monthly contributions &#45 initial up to 115% of Lautro, initial up to 100% of Lauto plus 2.5% renewal, initial up to 90% of Lautro plus 0.1% fund-based, fund-based up to 0.55%

Tel: 0845 610 0061


GMAC- RFC – Self-Cert Unlimited 6.75%

Type: Adverse credit self-certification tracker mortgage with discount Discounted term: Six months Discount: 1% Payable rate: 6.75% Tracker term: Lifetime of loan Tracker rate: 3.75% above Bank of England base rate Minimum loan:£25,001 Maximum loan: Up to 75% of valuation subject to a maximum of £250,000 Income multiples: Up to 3.5 times principle income plus […]

GMAC-RFC unveils new range for adverse credit

GMAC-RFC is offering a new range of products for non-conforming clients including bank base rate tracker discount options. The range includes a two-year no extended tie-in product at 6.15 per cent available on a full-status basis or a self-cert version at 6.35 per cent. There is also a discounted base rate tracker with six-month discounts […]

Child is new MD at The Exchange

Former chief operating officer David Child is replacing Sue Summers as managing director of The Exchange. Summers is being promoted to deputy managing director of the life and pensions division. The move is part of a restructuring of Marlborough Stirling, which will see the business divided into three sections – life and pensions, mortgages and […]

ABI debunks protection jargon with guide for IFAs

The ABI is to consult on revising its statement of best practices for protection products in advance of FSA regulation in January. As part of the consultation, the ABI is expected to issue a guide next week debunking some of the medical jargon on protection products in a bid to make it easier for IFAs […]

IHT: What were you doing in 2009?

One of the best sources of new business is your existing clients and, if they are estate planning clients, regular reviews are needed because people’s inheritance tax (IHT) problems tend to only get worse. Now, not a lot of things remain at the same rate as in 2009. If we turn the clock back, it […]


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