With Profits, On Shore and Off Shore Bond Reviews

Whilst these funds continue to raise concerns with our Regulator, the Financial Services Authority, and investors alike, the first rule is not to act in haste. One needs to check if there are any guarantees, maturity bonuses and periods when funds can be accessed or transferred without penalty. For many this is at the 10 year anniversary.

It is claimed that there are an estimated 40 With Profit Bond Providers alone, covering nearly 300 different with profit funds. Over the next few years the best estimate is that £39 billion of invested money will mature. Ahead of these dates an Independent review is a must.

Your Investments, Your Financial Future

Many people feel that investments can be a confusing and complicated topic. Sadly, because of this, they take the view that ‘out of sight, out of mind’ means that everything will be ok, eventually. This is definitely not the case.

Any investment you make or have already made need to meet certain basic criteria which are personal to you and your circumstances. Can you answer ‘yes’ to the following questions?

• Do my investments reflect my own attitude to investment risk?
• Is there a strategy in place for reviewing the investment risk within my investments, to take account of market and personal changes?
• Are my investments tax efficient?
• Are my investments producing the required income or capital growth to meet my needs and aspirations?
• Are my investments accessible in times of need?
• Are my investments in a balanced portfolio of funds or just invested in a single fund?