With Profits Bonds Past Performance (continued)
COMPANY Type of Plan Launch Date Tel No & age
Standard Life With Profits Bond 0845 60 60 100 Age: min 3 mths/max 75 Standard Life With Profits Bond 0845 60 60 100 Age: min 3 mths/max 75 Wesleyan 0845 351 2352
Age: min 18, max 79 for Life assurance
COMPANY Type of Plan Launch Date
Tel No & age (nb)
Legal & General Min: £20K (£500 per fund) Select Portfolio Bond (Wealth Managers) 01/13
Max: No max 0845 300 8008 Prudential
PIP - Distribution Income Bond (Nil Commission Basis) 8/07
0845 790 0999
Age: min 18 (3mths for life assured)/max 79
10/12
Age: No min/max 89 Other 1.38%, Inv Trusts 0.28%, Alt 0.04%
Min: £10K Add’l: £10K Max:£500K
UK Eqs 44.99%, UK Corp Bds 18.28%, Property 13.52%, Intl Bds 13.2%, Intl Eqs 4.9%, Other 3.11%, Cash & Equivalents 1.99%
Scottish Widows Min: £10K Additional: £1K Investment Bond
Max: No max
Withdrawal Charge Option UK Eqs 34.3%, Fixed Int 60.9%, Money Market 4.8%
0870 602 2244
Age: min 18/max 80 Scottish Widows Min: £10K Additional: £1K
Investment Bond 10/12
0870 602 2244
Age: min 18/max 80 Sterling Assurance Min: £10K
Investment Bond Distribution Fund 08/07
0500 546546 Add: £1K Max: No max
UK Eqs 47.5%, Fixed Int 30.5%, Property 17.4%, Cash 3.7%,
Annual: Nil Add’l annual: Nil
Other: Fund management 0.05% to 2%
Initial: Nil
B/o spread: Nil Early e/ment: Nil Early w/d: Nil
Max: No max
Initial Charge Option UK Eqs 34.3%, Fixed Int 60.9%, Money Market 4.8%
Annual: Nil Add’l annual: Nil Other: Fund AMC: Varies 1% - 2.2%
Annual: Varies with investment Add’l annual: Nil Other: Nil
Initial: Nil B/o spread: Nil
Early e/ment: Nil † Early w/d: Nil
† Early encashment: Based on nil commission option. Annual: Nil
Add’l annual: Nil Other: Fund AMC: Varies 1% - 2.2%
100.1% of bid value of units
Facility Paid: N as a per or curre qly, mly
Initial: Nil B/o spread: Nil depending on fund. (Distribution fund 1%) yr 3 3%, yr 4 2%, yr 5 1%
Early e/ment: Yr 1 5%, yr 2 4%, Early w/d: Nil for up to 7.5% pa
Initial: 0.5%
B/o spread: Nil Early e/ment: Nil
depending on fund. (Distribution fund 1%) Early w/d: Nil
101% of bid value of units, 110% in the
case of accidental death
101% of bid value of units, 110% in the
case of accidental death
100.1% of fund value or original investment less withdrawals
Facility Paid: Pa Septem month
Age: min 3 months for Int Eqs 0.5%, Other 0.4% life assured, 12 yrs for applicant/max 80 nb Special offer - Reduction of 0.025% in product charge for online submissions. Offer available until 31 March 2015. † Death Benefit: Enhanced Death Benefit option also available a
= Investment Life & Pensions Award Winner - See page 5 for details. 106
Facility Paid: Fe monthly
Facility Paid: Fe on the 1
Annual: 0.5% (product charge) Add’l annual: Nil
Fixed Int 44.36%, UK Eqs 20.91%, Other: Fund management charge for O’Seas Eqs 14.62%, Property 11.04%,Distribution currently 0.42% TER Cash 7.31%, Mgd Funds 0.06%,
Initial: Nil
B/o spread: Nil Early e/ment: Nil Early w/d: Nil
100.1% of bid value of units
Facility Paid: N mly
Distribution Bonds Past Performance Min/max investment
Investment proportion
Annual & additional annual charges
Other charges Assurance Society Max: £500K
Property 7%, Cash 11%, Index Linked 7%,
Annual: 1.2% (1.5% where income is taken) - excludes
Initial: 3% (Initial Adviser Charge) Determined on an individual basis. B/o spread: Nil
Early e/ment: Yr 1 5%, yr 2 4%, Guaranteed not to apply on death or
Capital Investment Bond UK Equities 61%, Fixed Int 14%, ongoing adviser charging 9/02
Add’l annual: Up to 1% yr 3 3%, yr 4 2%, yr 5 1% Early w/d: As early e/ment
Max:£500K
Stepped Charging Option UK Eqs 35.5%, Fxd Int 27.5%, 9/04
Overseas Eqs 16.1%, Property 18%, Emerging Mkts 2.9%
Annual: Implicit for WP funds Initial: Nil Add’l annual: Nil
B/o spread: Nil
Determined on an individual basis. Guaranteed not to apply on death or
prevailing bonus growth rate
Min/max investment Investment proportion
Min: £10K, Add’l:£1K Max:£500K
Level Charging Option UK Eqs 35.5%, Fxd Int 27.5%, 9/04
Overseas Eqs 16.1%, Property 18%, Emerging Mkts 2.9%
Annual & additional annual charges
Other charges
Annual: Implicit for WP funds Initial: Nil Add’l annual: Nil
B/o spread: Nil Early e/ment: Nil Early w/d: †
Market value reduction
Determined on an individual basis. Guaranteed not to apply on death or regular withdrawals up to the prevailing bonus growth rate
Bonuses
Guaranteed min: Nil Reversionary: N/A Last declaration: N/A Interim: Nil
Terminal: Calculated individual basis
† Early w/d: No max as such. However, possibility of an MVR should the regular w/d exceed the prevailing bonus growth rates. Allocation rates: Rates shown are for ages 69 and under. Minus 2% Min: £10K, Add’l:£1K
Early e/ment: Yr 1 10%, yr 2 8%, regular withdrawals up to the yr 3 6%, yr 4 4%, yr 5 2% Early w/d: †
Guaranteed min: Nil Reversionary: N/A Last declaration: N/A Interim: Nil
Terminal: Calculated individual basis
† Early w/d: Max regular w/d of 7.5% of origninal investment in any one year. However, possibility of an MVR should the regular w/d exceed the prevailing bonus growth rate. Allocation rates: Rat Min: £7.5K (£500 per bond)
Last declaration: 2.4 Interim: Nil
Guaranteed min: Nil Reversionary: 3% (gr
regular withdrawals up to 7.5% of the of management charg initial investment
Terminal: May be app
Death benefits
Income
March 2015
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