Data Content
ANNUITIES Pension Annuities . . . . . . . . . . . . . . . . . . . . . .46 Purchased Life Annuities . . . . . . . . . . . . . . . .44 With Profits Pension Annuities . . . . . . . . . . . .44
BONDS
Distribution Bonds . . . . . . . . . . . . . . . . . . . . .106 With Profits Bonds . . . . . . . . . . . . . . . . . . . .104 Gilts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .94
ENDOWMENTS Low Cost With Profits Endowments Past Performance . . . . . . . . . . . . . . . . . . . . .42
Full Cost With Profits Endowments Monthly Premiums . . . . . . . . . . . . . . . . . . . . .42 Past Performance . . . . . . . . . . . . . . . . . . . . .42 Plan Details . . . . . . . . . . . . . . . . . . . . . . . . . .42
EQUITY RELEASE . . . . . . . . . . . . . . . . . . .60 ETHICAL INVESTMENTS . . . . . . . . . . . .88
INCOME PROTECTION INSURANCE Monthly Premiums . . . . . . . . . . . . . . . . . . . . .28 Plan Details . . . . . . . . . . . . . . . . . . . . . . . . . .30
INDIVIDUAL SAVINGS ACCOUNTS Stocks and Shares ISAs Plan Details . . . . . . .96
JUNIOR ISAs . . . . . . . . . . . . . . . . . . . . . . . .86
TERM ASSURANCE Level/Decreasing Term Assurance Monthly Premiums - Smoker . . . . . . . . . . . . .32 Monthly Premiums - Non-Smoker . . . . . . . . .33 Monthly Premiums - Smoker with Critical Illness Cover . . . . . . . . . . . . . . . . . . . . . .35 Monthly Premiums - Non-Smoker with Critical Illness Cover . . . . . . . . . . . . . . . . . . . . . .37 Level Term Assurance Plan Details . . . . . . . .40
PENSIONS Pensions Bulletin . . . . . . . . . . . . . . . . . . . . . . .50 Personal Pensions Past Performance . . . . . . . . . . . . . . . . . . . . .52 Plan Details . . . . . . . . . . . . . . . . . . . . . . . . . .54 Individual Stakeholder . . . . . . . . . . . . . . . . . . .56 Self Invested Personal Pensions Plan Details . . . . . . . . . . . . . . . . . . . . . . . . . .64
Small Self Administered Schemes Plan Details . . . . . . . . . . . . . . . . . . . . . . . . . .78
STRUCTURED PRODUCTS . . . . . . . . . .92 Fund Performance Figures . . . . . . 110 - 194
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An important classification Jake Moeller uses the Lipper Leaders scoring system to analyse the best performing funds in the Investment Association UK Gilts sector
Moneyfacts Investment Life & Pensions® focus
21 At the heart of it all Hugo Thorman considers the impact of the new pension freedoms on
the platform sector and how advisers and clients use them
23 The sun is setting Nick Lee looks at the importance of understanding the rules and
repercussions of the sunset clause and assesses what it will mean to advisers and platforms
24 Roots for a solid future Andy Coleman examines what to look for when future-proofing your
choice of platform
27 The changing face of re-registration Simon Farrant highlights how the client re-registration process has
improved, but stresses that further effort is required to ensure a good experience in all cases
Contents
revealed; Call for transaction cost evidence as pension charge cap confirmed; Pension saving reaches record high
9 Looking ahead Having posted strong returns since 2008, Danny Vassiliades questions
whether investors should rethink their approach to corporate bonds this year
10 Treading a delicate path Nigel Orange explores some of the key issues facing advisers when
transferring clients from a defined benefit scheme to a defined contribution scheme post-April 2015
12 Dividend kings Charles Brand reviews the UK Equity Income sector and highlights the
select group of funds that have established their ability over five years to produce superior returns
15 Scaling new heights Higher investment limits and more flexible rules should translate into
record ISA sales this tax year, but it is unlikely to improve the investment choices made by many savers, says Richard Eagling
18 Industry view Shifting dynamics Tony Mudd suggests that the new pension reforms from April 2015 could herald a shift in the dynamics between ISAs and pensions
March 2015 l Issue 221
6 News In Brief Help us to recognise the industry’s finest; Second line of defence rules
EXISTING SUBSCRIBERS RECEIVE RENEWAL REMINDERS AUTOMATICALLY
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