COMPANY Type of Plan Launch Date Tel No & age
Age: min 18nb/max 80 0800 783 4162
Foresters Bond 04/05
0800 731 2422
Investment proportion
Foresters Friendly Min: £1K Society
UK Equities 40%, Fixed Int 30%, Property 10%, O’seas Eqs 11%, Cash 9%
Max: £150K
Healthy Investment Min: £2K With Profits Bond 1/03
Max: £1M Age: no min/no max Property 1.24%, Cash 0.57% LV=
Flexible Guarantee Bond Series 2
Age: min 3 mths/max 89 0800 0234 173
Flexible Guarantee Bond Series 2
LV=
(Cautious option) † 10/12
Age: min 3 mths/max 89 0800 0234 173
(Managed Growth option) O’seas Eqs 21.6%, Property capital guarantee additional 10/12
Flexible Guarantee Bond Series 2
LV= † Age: min 3 mths/max 89 0800 0234 173 0800 622 323
NFU Mutual Flexibond 9/02
Prudential Investment Plan Max: £500K Prudential
Age: owner 18, life ass’d 3 mths/max 79
0845 790 0999
Min: £1K, or £25 per month Max: No max
UK Eqs 32.2%, Fixed Int 29%, 16%, Cash 1.2%
Annual: 0.55% - 0.9% depending on fund value Add’l annual: For optional
2.5%, (7 yr), 2% (8 yr), 1.7% (9 yr), 1.5% (10 yr)
Annual: Currently 1% but Age nb: min 19/max 85† Index Linked 7.5%, Other 1.1%
(Balanced option) † 10/12
Fixed Int 44%, UK Eqs 23.4%, Property 16%,Overseas Eqs 15.4%, Cash 1.2%
Max: £500K
Fixed interest 70.91%, UK Eqs 21.79%, O’seas Eqs 5.49%,
With Profits Bonds Past Performance Min/max investment
Annual & additional annual charges
Add’l annual: Nil Annual: 2% Other charges
Initial Charge: Nil B/o spread: N/A
Market value reduction
Not applied on death
Early e/ment: N/A Early w/d: N/A
Add’l annual: Nil Annual:0.9%
Initial Charge: Nil B/o spread: Nil
Rates shown include extra allocation for investments above £5K. Min: £5K, Additional: £5K
Annual: 0.55% - 0.9% depending on fund value Add’l annual: For optional capital guarantee additional 2.2%, (6 yr), 1.7% (7 yr), 1.3% (8 yr), 1% (9 yr), 0.8% (10 yr)
Fixed Int 63.8%, UK Eqs 14.2%, Add’l annual: For optional Property 11%, O’seas Eqs 9.3%, Cash 1.7%
Min: £5K, Additional: £5K Max: £500K
Annual: 0.55% - 0.9% depending on fund value
Nil
Early e/ment: N/A Early w/d: N/A
Initial Charge: Nil B/o spread: Nil Early e/ment: Nil Early w/d: Nil
Nil
Bonuses
Guaranteed min: Nil Reversionary: 1.75% Last declaration: 31. Interim: 1.75%
Terminal: Calculated individual basis
Guaranteed min: Nil Reversionary: 3.35% Last declaration: 31. Interim: 3.35%
Terminal: Variable,de on term
Guaranteed min: N/A Reversionary: N/A Last declaration: N/A Interim: N/A Terminal: N/A
† Free fund switching up to three times a year, additional switches £25. Profits can be locked in any time with a new guarantee. Projected cash value figures shown are with no guarante £11,000, 5 yrs £11,300, 10 yrs £12,900.
capital g’tee add’l 1.7%, (5 yr), Early w/d: Nil 0.9% (6 yr), 0.7% (7 yr), 0.5% (8 yr), 0.4% (9 yr), 0.25% 10 yr
Min: £5K, Additional: £5K Max: £500K
Initial Charge: Nil B/o spread: Nil Early e/ment: Nil
Nil
Guaranteed min: N/A Reversionary: N/A Last declaration: N/A Interim: N/A Terminal: N/A
† Free fund switching up to three times a year, additional switches £25. Profits can be locked in any time with a new guarantee. Projected cash value figures shown are with no guarante £11,200, 5 yrs £11,600, 10 yrs £13,700.
Initial Charge: Nil B/o spread: Nil Early e/ment: Nil Early w/d: Nil
Nil
Guaranteed min: N/A Reversionary: N/A Last declaration: N/A Interim: N/A Terminal: N/A
† Free fund switching up to three times a year, additional switches £25. Projected cash value figures shown are with no guarantee. Normal investment mid-growth rate of 4.5% for th
UK Equities 40%, Property 19%, value for Flexibonds taken out O’seas Eqs 17%, Fxd Int 15.4%, prior to 1/1/2013
0.5%-1.1% depending on fund B/o spread: Nil Early e/ment: Nil Early w/d: Nil
Initial: Up to 5%
(Nil Commission Basis) Fixed Int 33.3%, O’seas Eqs 25.6%, Add’l annual: Nil 8/07
UK Eqs 18.5%, Property 15.4% Other 3.8%, Cash 3.4%
Sheffield Mutual Min: £5K Friendly Society Max: £100K Income Bond 1/06
01226 741000 Age: 18/no max
Sheffield Mutual Min: £1K Friendly Society Max: £50K Investment Bond 1/05
Age: no min/no max Assets 2.31% 01226 741000
† Initial charge/Early encashment: Based on nil commission option. Annual: 0.6%
Property 39.08%, UK Eqs 27.68%, Charges allowed for in the fund Early e/ment: Year 1 - 5%, years 5 years Fixed Int 21.08%, Comm Mtgs before paying bonuses. 6.23%, Cash 3.62%, Alternative Assets 2.31%
Add’l annual: Nil B/o spread: N/A Initial: 5%
2 - 5 discount factor of 1.5% pa + £10 admin charge Early w/d: N/A
Property 39.08%, UK Eqs 27.68%, Charges allowed for in the fund Early e/ment: Year 1 - 5%, years Minimum guaranteed sum assured Fixed Int 21.08%, Comm Mtgs before paying bonuses. 6.23%, Cash 3.62%, Alternative
Add’l annual: Nil Annual: 0.5% B/o spread: N/A Initial: 5%
2 - 5 discount factor of 2.5% pa of 103% after 5 years applied to sum assured plus bonus Early w/d: N/A
Not currently and never applied. Guaranteed no MVR on death claim.
Annual: Varies with investment Initial: Nil † implicit for With Profit funds
Calculated on an individual basis. Not Guaranteed min: Nil applied on death or regular
withdrawals of up to 10% of premiums Last declaration: 1.4 paid
Reversionary: 2.75% Interim: 3%
† Age nb: For ages 80 - 84 the minimum lump sum is £20K, standard payments can be made thereafter. If joint life, limits will apply to the younger person. Min: £10K, Additional: £10K
B/o spread: Nil
Early e/ment: Nil † Early w/d: Nil
Terminal: Varies with entry
Yes. MVA free guarantee on death only Guaranteed min: Nil Reversionary: 2% or bonus of 2.75%
Last declaration: 1.3 Interim: Nil Terminal: Nil
Not currently and never applied. Capital Balance Guaranteed after
Terminal: 5% after 5 Guaranteed min: Nil
Guaranteed min: Nil Reversionary: 3% Last declaration: 7.3 Interim: 3%
Terminal: 5% of sum plus added bonuses a
Reversionary: 3% Last declaration: 7.3 Interim: 3%
Invest with Healthy
Advised fee based and non-advised/Introducer co Call our adviser Freephone to reques
Freephone: 0800 731 2422 104
Healthy Investment is the trading name of The Rechabite Friendly S Authorised by the Prudential Regulation Authority and regulated
March 2015
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40 |
Page 41 |
Page 42 |
Page 43 |
Page 44 |
Page 45 |
Page 46 |
Page 47 |
Page 48 |
Page 49 |
Page 50 |
Page 51 |
Page 52 |
Page 53 |
Page 54 |
Page 55 |
Page 56 |
Page 57 |
Page 58 |
Page 59 |
Page 60 |
Page 61 |
Page 62 |
Page 63 |
Page 64 |
Page 65 |
Page 66 |
Page 67 |
Page 68 |
Page 69 |
Page 70 |
Page 71 |
Page 72 |
Page 73 |
Page 74 |
Page 75 |
Page 76 |
Page 77 |
Page 78 |
Page 79 |
Page 80 |
Page 81 |
Page 82 |
Page 83 |
Page 84 |
Page 85 |
Page 86 |
Page 87 |
Page 88 |
Page 89 |
Page 90 |
Page 91 |
Page 92 |
Page 93 |
Page 94 |
Page 95 |
Page 96 |
Page 97 |
Page 98 |
Page 99 |
Page 100 |
Page 101 |
Page 102 |
Page 103 |
Page 104 |
Page 105 |
Page 106 |
Page 107 |
Page 108 |
Page 109 |
Page 110 |
Page 111 |
Page 112 |
Page 113 |
Page 114 |
Page 115 |
Page 116 |
Page 117 |
Page 118 |
Page 119 |
Page 120 |
Page 121 |
Page 122 |
Page 123 |
Page 124 |
Page 125 |
Page 126 |
Page 127 |
Page 128 |
Page 129 |
Page 130 |
Page 131 |
Page 132 |
Page 133 |
Page 134 |
Page 135 |
Page 136 |
Page 137 |
Page 138 |
Page 139 |
Page 140 |
Page 141 |
Page 142 |
Page 143 |
Page 144 |
Page 145 |
Page 146 |
Page 147 |
Page 148 |
Page 149 |
Page 150 |
Page 151 |
Page 152 |
Page 153 |
Page 154 |
Page 155 |
Page 156 |
Page 157 |
Page 158 |
Page 159 |
Page 160 |
Page 161 |
Page 162 |
Page 163 |
Page 164 |
Page 165 |
Page 166 |
Page 167 |
Page 168 |
Page 169 |
Page 170 |
Page 171 |
Page 172 |
Page 173 |
Page 174 |
Page 175 |
Page 176 |
Page 177 |
Page 178 |
Page 179 |
Page 180 |
Page 181 |
Page 182 |
Page 183 |
Page 184 |
Page 185 |
Page 186 |
Page 187 |
Page 188 |
Page 189 |
Page 190 |
Page 191 |
Page 192 |
Page 193 |
Page 194 |
Page 195 |
Page 196