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Selestia Life & Pensions – Selestia Investment Bond

Monday, 20 May 2002

Type: Unit-linked bond

Aim: Growth by investing in funds from 30 fund management
companies

Minimum investment: Lump sum £5,000

Fund links: 182 funds from Aberdeen Unit Trust Managers, ABN
Amro, Artemis Unit Trust Managers, Baring Fund Managers, Britannic
Asset Management, Close Fund Management, Credit Suisse Asset
Management, Deutsche Asset Management, Dresdner RCM, Fidelity
Investment Funds, First State, Framlington, Friends Provident,
Henderson Global Investors, Invesco Perpetual, Investec Asset
Management, ISIS Friends Ivory & Sime, JPMorgan Fleming Asset
Management, Lazard Asset Management, Liontrust, Martin Currie
Unit Trusts, Merrill Lynch Investment Managers, Morley Fund
Management, Newton Investment Funds, Norwich Union, Old Mutual
Fund Managers, OM Gerrard, Rathbone Unit Trust Management,
Sarasin, SEI Investments, Societe Generale Asset Management and
Solus

Allocation rates: 100%

Charges: Initial 6%, annual up to £15,000 0.7%, £15,001 – £40,000
0.3%, £40,001 and above 0.15%

Switches: Subject to negotiation

Commission: Initial 4%, renewal up to 0.5%

Tel: 08456 410410

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Important information

Investment risks

The value of an investment and any income from it can fall as well as rise and you may not get back the amount originally invested. Forecasts and past performance are not a guide to future performance. Some information and statistical data herein has been obtained from sources we believe to be reliable but in no way are warranted by us as to their accuracy or completeness. These are Neptune’s views and as such this document is deemed to be impartial research. We do not undertake to advise you of any change to our views.

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