|
Is this product
right for you? |
|
|
|
|
|
Yes ,
I am happy to invest because:
You are prepared to risk losing some of your capital
You want to add to your investment on a regular basis
You may need access to your money at short notice
You want a tax efficient investment
You have a minimum of £3,600 to invest |
|
No ,
this plan probably isnt right for me
because:
You are not looking for an investment
linked to the performance of stock markets
You are not prepared to put your capital at risk
You want a regular income
You want a known guaranteed rate of return
You do not have £3,600 to invest
You do not have sufficient spare money for emergencies
|
Investment Risks
The following list is a
summary of the key risks associated with investing in
the UK Protected Growth Plan (UKPGP). For full details
of the plan please refer to the Key Features and Terms &
Conditions at the end of the Plan brochure.
80% capital
protection means that 20% of your investment is
potentially at risk.
As with all stock
market investments, the price of units in the UKPGP can
go down as well as up, and investors may not get back
the full amount invested.
If you decide to
take withdrawals from the Plan, you should be aware that
these payments constitute a withdrawal of capital and
may be subject to Capital Gains Tax on any gains made.
If the FTSE 100
performs poorly over a long period of time, the Plan may
become completely invested in cash. In a low interest
rate environment, the potential for future growth could
be severely restricted and the Plan Manager reserves the
right to close the Plan and offer you an alternative
investment under these circumstances. If this should
happen we will write to you and advise you of your
options.
The Plan Manager
will arrange for the purchase of Investment securities
from financial institutions rated 'AA or better (as
measured by Standard & Poor's or equivalent) at the time
of purchase, however this rating could subsequently
change. In the event of such securities being
unavailable, the Plan Manager may substitute the
securities with alternatives with similar
characteristics.
In the event of
any issuing institution being unable to meet their
financial obligations, you may not receive the full
return and you could lose all, or part, of your
investment.
Your
circumstances could change, forcing you to sell your
investments early. If this happens, you may get back
less than the amount you originally invested.
Following your
right to cancel, you will not be able to claim full
reimbursement if the price at which your securities were
purchased has subsequently fallen.
If you have
invested via an ISA and subsequently cancel or withdraw
from the plan, you may lose your rights to invest in
another ISA in the same tax-year in which you invested.
Tax assumptions
are based on Keydata's understanding of current
legislation and practice at the time of print of the
plan brochure. The levels and basis of taxation and
reliefs from taxation can change at any time and any
change could be applied retrospectively. The value of
any tax relief depends on individual circumstances.
Do not forget
that inflation will reduce what you could buy in the
future.
Please refer to the Brochure and the Terms & Conditions for full
details. |
