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Is this product
right for you? |
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This investment may not be suitable for you
if:
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You are not looking for an investment linked to the
performance of stock markets
•
You want a regular income
•
You may need immediate access to your
money
•
You want to add to your investment on a regular basis
•
You do not have £7,200 to invest |
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This investment may be suitable for you if:
• You want a potential fixed growth return
at maturity
•You want a
capital secure investment
•You don’t need
access to your money over the next 5 years
•You have a
minimum of £7,200 to invest
•You want a tax
efficient investment
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Investment Risks
• Your circumstances could
change, forcing early encashment of your Plan. If this
happens, you may get back less than the amount you
originally invested. The value of the Plan will be
determined by the price at which the Investments can
actually be sold on the relevant Dealing Date. See ‘What
happens if I cash my investment in early?’ on page 9 of
the brochure.
• The investment requires
the purchase by the Plan Manager of one or more
securities with a fixed maturity date. These will be
held on your behalf and will have been specifically
structured to match the Investment Objectives of the
Plan.
The Issuer of the Securities’ capacity to meet its
financial commitments is considered strong. This is
supported by an independent assessment from a leading
credit rating agency, Standard & Poor’s, which gives the
Issuer a rating of A, as at 3 June 2008.
However, there is a risk that the Issuer may fail to
meet its obligations and it is you, the Investor, that
faces this risk rather than the Plan Manager.
• The terms of the
investment may permit the issuer of those investments to
withhold, defer, reduce or even terminate payments in
certain events, as a result of which investors may
receive less than they would otherwise or may have to
wait for the proceeds.
• The levels and
bases of taxation and reliefs from taxation can change
at any time. The value of any tax reliefs depend on
individual circumstances. The favourable tax treatment
of ISAs (and any previous PEPs, now known as ISAs) may
not be maintained in the future.
• Consideration given
prior to making a transfer of existing investments
should include the exit and associated charges of
transferring your existing investments and the potential
for loss of income or growth whilst the transfer is
pending.
• The FTSE™ 100 Index is a
capital-only index and takes no account of dividend
returns. As a result you will not receive any dividend
payments or distributions.
• Linking the final amount
you will get back to the closing level of the FTSE™ 100
Index on one particular day means that the growth could
be subject to short term market fluctuations at that
time.
• Careful consideration
should be given to the benefits and risks of this Plan
and its suitability to your own personal circumstances
and attitude to risk.
Please refer to the Brochure and the Terms & Conditions for full
details.
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