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Yorkshire Guernsey – Equity Linked Bond

Type: Guaranteed equity bond

Aim: Growth linked to the performance of the FTSE 100 index

Minimum-maximum investment: £10,000-£500,000

Term: Five years

Guarantee: Original capital returned in full regardless of performance in index

Return: 100% growth at end of term

Closing date: September 23, 2003

Commission: None

Tel: 0044148 1710 150


Life offices face a distribution fight

Whatever the FSA may or may not decide on menus, disclosure and the rest, it is clear that new “distributor” models are already emerging. Although we have known for at least a year that American Express was interested in buying into distribution long before the Threadneedle deal, we now know it involves a wrap account […]


Is IFA record-keepingof a sufficiently high standard? “I can only speak for myself but as far as I am concerned I keep hard copies and computer files of all my client records but yes I believe most IFAs have a high standard of record-keeping.” Ian Burns,Coburn Financial Services“If anything, we go overboard and keep records […]

Co-operate to save the industry

I have recently started to question our future in relation to the increasing costs and the ability to obtain cover. If Inter-Alliance, RJ Temple, Millfield and Lamensdorf have closed or are losing money because of the downturn in the market and increasing procurement costs, what hope does that leave for the small and medium-size IFAs? […]

Urgent need for a clear definition of misselling

IFAs are operating in a hostile trading environment. If we are to survive, we need to be able to focus on client-related issues and be able to give advice in a commercial manner. Stakeholder and Sandler issues aside, the biggest barrier preventing us from moving forward is the urgent need to define what misselling is. […]

Auto enrolment – so far so good?

Jamie Clark – Business Development Manager The recent report from the Pensions Policy Institute demonstrates the sheer scale of auto-enrolment so far and what we can expect in the future. We’ve pulled out the key information to save you reading the full report. Auto enrolment in numbers Sources: Pensions Policy Institute, The Future Book: Unravelling […]


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