| | |
| Introduction - We have indicated at the bottom of each subject (column 1) to whom the article is directed (e.g. PARTNERS & DIRECTORS). | | This newsletter has the following subjects each of which you can jump to by pressing on the headings below: | | |
| Newsletter Library -Previous Newsletters can be found in the Newsletter Library | | We keep a library of previous issues. To access the library issues, please either press \"Back\" on your browser to the Homepage and then select Newsletter Library (top right). Alternatively press link on right return to top | | Newsletter Library
|
| Cofunds -We are suggesting a transaction platform for all ISA and unit trusts going forward. | | You can use Cofunds to hold all your existing PEPs, ISAs and Unit Trusts/OEICs so that you get a consolidated valuation, asset allocation model and risk profile through ALL your holdings....and there is no additional annual charge! Please see the attached link for further information on Cofunds. | | Cofunds Explanation
|
| | Within the next 12 months clients should be able to access details of their portfolios via the website. Online dealing is already available. The link here shows the portfolio detail that can be obtained by clarity for investments held in Cofunds. Please note that this cannot be accessed online by clients, however, but can be used by clarity at meetings. | | Example Valuation
|
| | Online dealing in ISA, OEICs and Unit Trusts via Cofunds (no initial commission and significant discounts) is now available. | | Cofunds Online Dealing
|
| | Please note that a number of new funds have joined the Cofunds platform from Martin Currie and Newton. return to top | | |
Pre-Budget Announcements -There are a number of proposed changes that will be of interest to many clients.
| | The Pre-Budget Speech on 10 December 2003 contained a number of proposals which may effect investment/pension planning strategies for some individuals.
Further information is available via the following link. return to top | | Pre-Budget Speech
|
Pension Green Paper Update -The proposed pension changes are likely to be of relevance to many clients.
| | The recent Pension Green Paper contained proposals which, if implemented, are likely to have implications for many pension planning strategies.
Whilst at the time of writing the finer detail is not known we understand that this will be announced in the Budget Report on 17 March 2004. return to top | | Pension Green Paper Update
|
| Tax Year End Planning -Here is a Year End Checklist to help you decide on action prior to 5th April | | There are a number of issues to deal with prior to the end of the tax year. Some will be in hand either by yourself or on your behalf but it does make sense to ensure that you are fully aware of issues such as: pensions planning, tax planning (capital gains, income and inheritance tax), and use of allowances such as ISAs. return to top | | Year End Checklist
|
| Pensions and Bankruptcy -A summary of the main issues. | | As a pension fund is often a significant individual asset, its treatment in bankruptcy is a very important consideration. The enclosed article provides a summary of the main issues to consider. return to top | | Pensions and Bankruptcy
|
| Fund Management Updates -the latest news | | You should refer to the attached article for up to date information on some recent fund changes that we have made. return to top | | Fund Management Updates
|
| FTSE 100 Predictions -A summary | | For those wishing to view the predictions of a number of fund management groups please see the attached article. return to top | | FTSE 100 Predictions
|
| Asset Allocation -an update | | The attached article provides a useful update for all individuals. return to top | | Asset Allocation
|
| Pension Choices -Details of the current recommended funds | | For any Stakeholder Pension you can use clarity\'s online service to invest.
Individuals with access to Group arrangements via their employer should consider their options before proceeding further. return to top | | Stakeholder Pensions
|
| Unit Trust/ISA Choices -Here is detail of the current recommended funds | | You should ensure that you consider utilisation of your ISA allowances. Please do not forget ISA allowances for spouses and children (over the age of 16 for a cash ISA and 18 for a stocks and shares ISA).
Please refer to the attached link for a Buy List which covers both unit trusts and ISAs. | | Buy List
|
| | | If you would like to see some performance figures on the main managed fund options then please use the link here return to top | | Managed Fund Performance Figures
|
| Unit Trust/ISA Research -You can conduct some of your own research on the web. | | Here are some useful links to sites where you can research your fund selection. Do make sure, however, that you transact via clarity to make sure you get the nil initial commission terms. return to top | | www.lipperleaders.com
www.morningstar.co.uk
www.ft.com/fundratings
|
Unit Trust/ISA Transactions -make sure you use the nil initial commission facility via clarity.
| | All individuals are eligible to use our nil initial commission, discounted service, whether or not advice is taken from us. Forms for Unit Trust/ISAs can be downloaded through our website by selecting the link here. | | Pick Up Unit Trust/ISA Forms
|
| | We are suggesting all future deals are placed through the \"Cofunds\" dealing platform. This not only allows access to the existing range of funds on similar or better terms, but also gives consolidated valuations and geographical analysis. If interested, you can deal now on this basis. Please contact us for details or ask for the \"Cofunds Pack\" when requesting forms. Please see Cofunds section for further information. | | enquiries@clarityglobal.com
Unit Trust Application Form
ISA Application Form
|
| | | | Key Features - General
Key Features - Fund Specific
|
| | It is important for all to look at the details of how you can make a unit trust/ISA transaction and what deadlines you must work to. See the link here. | | Unit Trust/ISA Transaction Details
|
| | PLEASE NOTE FOR ISA FORMS NOT SENT TO US BY MONDAY 29TH MARCH WE CANNOT GUARANTEE ARRIVAL OF ISA APPLICATION FORMS BEFORE THE TAX YEAR END DEADLINE (5TH APRIL).
PLEASE LIAISE WITH THE WOKING OFFICE ON 01483 729393. return to top | | |
| Cash Investment -Indicative rates for those holding money in cash. | | Here are some rates to help in the selection of a good temporary home. Remember, however, that long term cash has historically performed poorly relative to other asset classes. You have many options as alternatives to equities. return to top | | Cash Investment Rates
|
| Mortgage Rates -Indicative rates. | | The attached provides a summary of the rates currently available.
Please note that the mortgage market is competitive and subject to change. Individuals should check that the rates are still current before proceeding further. return to top | | Mortgage Rates
|
| Advisers -Details of the clarity team | | Please refer to the attached doc link for further information of the clarity team return to top | | Adviser Details
|
| Risk Warnings/Suitability -It is important to read the full notes. | | Investments transacted by clarity as a result of this Newsletter are treated as \"Direct Offer\" investments. Whilst we have offered product specific recommendations, you have personally decided whether the investment is suitable to your circumstances and is affordable. Please see the detailed note and also Terms of Business. return to top | | Suitability Warnings
Risk Warning
Terms of Business
|
