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Is this product
right for you? |
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I am interested in this
investment because:
I want to know the money that I invest will be repaid at
maturity
I want the opportunity to receive a return that might be
greater than that provided by an ordinary deposit account at
the end of my chosen investment term
I appreciate the need to diversify my investment portfolio
It suits me that Optimiser is taxed as Capital Gain rather
than income and I want the option of potentially using my
Capital Gains Tax annual exemption
I also have the option to invest via a Stocks and Shares
ISA. |
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No ,
this investment may not suit me because:
I do not want to risk investing into an
area I know little about
I might need access to my money before the end of the
chosen term and cannot risk getting back less than I
invested if I sell the investment early
I dont want to risk earning no return on my investment or
less than I would have done with an ordinary deposit account
I want a regular income from my
money
I am a regular saver and I prefer to be able to add
to my investments from time to time.
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Things to consider
The Plan is designed for investors who can invest an
amount for five years and leave their capital invested
during that time. You can sell the investment before the
end of the term but you may not get back the amount you
initially invested irrespective of how the iShares MSCI
Emerging Markets Index Fund has performed.
All the Plans benefits are paid at the end of the
investment period. No income or other benefit is paid
before then.
The Plan is not like a deposit account. No interest is
added during the term and you cannot withdraw your
capital until the end of the term, without the risk of
losing money.
We use averaging to calculate the investment return.
While this can reduce the potential for gain it can also
lessen the effects of falls in value.
Remember, whatever you get back at the end of the
investment term, inflation during the term will have
reduced its value.
Shares and investment returns linked to them involve
greater short-term risk than cash deposits, and whilst
it is worth bearing in mind that, over the long term,
equities have historically performed better than
deposits, you also need to appreciate that the past
performance of investments is not a guide to their
future performance.
Please refer to the Brochure and the Terms & Conditions for full
details. |
