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Scottish Widows unveils five year plan

The Scottish Widows guaranteed investment bond is a five-year FTSE 100-linked guaranteed equity bond.

Investors in the product will receive a full capital return regardless of the performance of the index plus 75 per cent of the growth in the index at the end of the term.
An early investment bonus of between 0.1 per cent and 0.5 per cent of the amount invested will be applied, depending on how many days the money is invested before July 21, 2005.

According to the product database on the StructuredRetail Products website, Woolwich Plan Managers and Bristol & West currently have five-year guaranteed equity bonds linked to the FTSE 100 index.
Option one of the Woolwich Plan Managers capital growth plan issue eight provides a better comparison for the Scottish Widows product than option two, which has an early maturity feature. Option one offers a full capital return regardless of index performance plus 120 per cent of the growth in the index, which is a higher
participation rate than that of the Scottish Widows bond.

Bristol & Wests guaranteed 5-Year FTSE Bond issue 17 also offers a full capital return regardless of index performance, plus 120 per cent of the growth in the FTSE 100 index after five years. But Bristol & West offers an optional extra the ability to lock in 50 per cent growth achieved by the index at any point, except during the first and final years of investment.


Luck runs out

Lucky the dog, star of the More Than ad drive, has sadly passed away. Benson, his true identity, perished last week aged 12. The Diary can only hope his owners got free pet insurance thrown in with the deal. The canine thesp had played Lucky since the company’s 2001 launch. The role will live on, […]

Watson Wyatt settles out of court with Credit Lyonnais

Watson Wyatt Partners has settled its alleged negligence case, called by Credit Lyonnais pensions cases. Credit Lyonnais has agreed to their claim being dismissed and settled out of court, under confidential terms, with no payment made before the court on either side.The allegation relates to work done during 1996 to 1999, with the trial commencing […]

ScotEq Intl warns of tax-free dangers

IFAs must warn their clients of the threat of inheritance tax on supposed tax-free savings vehicles, cautions Scottish Equitable International.

Retirement - thumbnail

(Another) downhill stroll — retirement planning

A report published this morning by the CIPD (CIPD Employee Outlook March 2015) provides yet more interesting data to the changing landscape of retirement planning. It should be remembered that we are in a period of genuine flux here given that the default retirement age was scrapped three years ago, and new pension freedoms come online in April. Both of these alterations will have a huge impact on how employees plan for their retirement.


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