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Standard Life International – International Bond

Standard Life International

International Bond

Type: Offshore unit-linked bond

Aim: Growth and income by investing in internal and externally managed funds

Minimum investment: Lump sum £20000, £50000 with discounted gift plan

Fund links: 46 funds from Artemis, Baillie Gifford, Fidelity, Gartmore, Insight, Invesco Perpetual, Jupiter, JPMorgan Liontrust, New Star, Newton, Schroders and Standard Life Investments

Allocation rates: 92-108% depending on age and IFA commission taken

Place of registration: Dublin

Charges: Initial up to 8%, establishment charge up to 1.6% a year, annual 0.5-1.7% depending on funds chosen

Commission: Initial up to 8%, renewal up to 1%



Hartford locks in gains on unit-linked bonds

Hartford Life is offering inv-estors in its unit-linked investment bonds a guaranteed lock-in of gains in response to con- cerns about market volatility. The enhancements to the gold safetynet product mean that investors can lock in up to 10 per cent of their investment gains each year on the anniversary of taking the bond out. […]

Action on protection

Clients are in urgent need of pension protection advice as A-Day looms


Guide: reporting to the Pensions Regulator — what and when?

Johnson Fleming has published a step-by-step guide demonstrating the importance of record keeping and reporting, and how it can ensure you operate a successful scheme. The guide takes you through some key questions you need to ask and identifies the information you need to obtain. The topics include: why you need to keep records and the benefits of doing this; registering your scheme; what information you need to record to ensure you meet the Pensions Regulator’s requirements; and what items need to be recorded and when.


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