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Smile links ethical funds

Online bank Smile has brought together four of the UK&#39s top ethical fund providers under a new single investment product.

The new product, offered in conjunction with Co-operative Bank Financial Advisors, combines funds from Friends Provident, Gerrard, Henderson and Norwich Union. Initial charge is 1.375 per cent and annual charge is 1.38 per cent. These charges may change after April 10.

Smile is also offering a similar long-term capital growth package, bringing together four UK growth funds. ABN Amro UK growth, Fidelity special situations, HSBC income & growth and Artemis UK growth will be available in one package. Initial charge is 0.75 per cent and annual charge is 1.5 per cent. These charges may change after April 10.

Chief executive Bob Head says: “I am sure these packages will appeal to our customers who are looking for a very competitive investment package.”


Cheshire fixes at 5.78% for decade

Cheshire Building Society is expanding its mortgage range to offer nine new loans, including flexible trackers, a first-time buyer product, discounts and fixed rates.The 10-year fixed rate mortgage offers up to a 95 per cent loan at a rate of 5.78 per cent compared with the current variable rate of 5.65 per cent.The loan also […]


Members of approved occupational schemes, whose benefits are below the maximum allowed by the Inland Revenue, can consider a number of routes to increase their benefits.A contribution could be made to an in-house AVC or FSAVC. This would need to be within the aggregate maximum personal contribution of 15 per cent of remuneration, capped where […]

Fiscal attraction

In a perfect fiscal world, tax planning strategies would be considered and put into action all year round. But, in real life, people are busy with other more commercially pres-sing matters for much of the year, such as generating eno-ugh income and assets to need tax planning in the first place.The approach of the end […]

What are the key changes to transform pensions?

By Fiona Tait, pensions specialist In her final article for Royal London, Fiona Tait reviews key changes she believes have transformed, or will transform, pensions. In my 12 years with Royal London I have been paid to review, study and explain the numerous changes to pension legislation which have transformed our industry in that time. This is […]


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