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Scottish Widows – Diversified Assets Life & Pension Fund

Scottish Widows

Diversified Assets Life & Pension Fund

Type: Unit-linked fund

Aim: Growth of 3.25 per cent above the Bank of England base rate by investing in a range of asset classes through the Swip diversified assets fund

Minimum investment: Dependent on wrapper product

Investment split: 100% in bonds, equities, property, commodities, absolute return funds and private equity through the Swip diversified assets fund

Charges: Life fund annual 1.675-1.925%, pension fund 0.7-1.6%

Commission: Dependent on product wrapper

Tel: 0845 600 8910


Liquidity shields Asian markets

Strong liquidity in Asian markets means that investors will be less affected by the credit turmoil that has hit the US, UK and Europe.F&C fund manager Peter Dalgliesh attributes continued strong Asian performance to domestic demand, property price rises and global infrastructure spending.He says: “As the manufacturing backyard of the developed world, Asia will inevitably […]

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The president and chief executive of Hartford Life in Europe is an extreme sports fan who thrives on stepping outside his comfort zone and he brings that same sense of venture to business with a determination to succeed in the UK with the firm’s third-way products Interview by Will Henley

FSA hints at retention of WOM/independence link

The FSA has given another strong hint that independence will indeed mean whole of market rather than the radical suggestion in the retail distribution review that its meaning may be redefined.Speaking on a webcast on the Chartered Insurance Institute’s specialist RDR page, head of the RDR Amanda Bowe said she wanted to emphasise that it […]

Imagine the panic if review boosts banks

I feel that you have been too kind on the regulator, Bank of England and the Treasury over the Northern Rock affair. Personally, I have no issue with what they have done, nor with the Northern Rock management for providing innovative mortgage solutions to the UK market. I, for one, can remember having to plead […]

Cricket - thumbnail

England vs Australia: pensions

Well, the cricket season is here, and England and Australia are stepping up to the wicket. Although we compete with each other in the sporting world, when it comes to pensions, Australia’s pension programme is held up as a model for our auto-enrolment initiative. Auto-enrolment was introduced because people weren’t saving enough into their pensions, and it is still early days but signs are positive. However, in Australia, saving into a pension is compulsory, and in fact employers are the ones who have to pay in. Employees in Australia can make additional contributions into their pensions, but they don’t have to. Should the onus be on the employer or employee to save? Well in the UK we think it’s both, but to get ‘adequate’ savings for retirement it’s the employee who has to pay more in.


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