NEWSLETTER INFORMATION
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WEB LINKS & EMAIL
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Introduction
This newsletter has the following subjects each of which you can jump to by pressing on the headings below.
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Newsletter Library
We keep a library of previous issues which can be accessed by the link to the right.
Please remember that the information contained in these archives items is not subject to ongoing review or comment.
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Newsletter Library
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Self Invested Personal Pensions (SIPPs)
The attached link provides further information on SIPPs. Many Individuals should consider the appropriateness of SIPPs in light of the New Pension Regime to be introduced with effect from 6 April 2006 and the need to monitor their pension investment/strategy more closely.
Further advice should be sought from your usual clarity adviser.
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 Self Invested Personal Pension Plans (SIPPs)
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New Pension Regime
Urgent action required. All individuals should consider their options well in advance of the 6th April 2006 deadline. Do you need to claim Enhanced Protection and do you know the consequences if you don't? Please see our latest summary of the changes expected.
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New Pensions Regime
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If you do not feel comfortable making the election yourself then clarity offers a service in this respect. Please see the linked article. return to top
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Enhanced/Primary Protection Claim
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Cofunds
We are suggesting Cofunds as 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. The benefits are that you are able to access 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.
If individuals do not wish to utilise the Cofunds platform there are other alternative routes of investment. Please contact your usual clarity adviser to discuss matters further.
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Cofunds Explanation
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Within the next 3 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, however, that this cannot be accessed online by clients, but can be used by clarity at meetings.
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Example X-Ray
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Online dealing in ISA, OEICs and Unit Trusts via Cofunds (no initial commission and significant discounts) is now available. return to top
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Cofunds Online Dealing
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Civil Partnerships
There are changes to consider with the new Civil Partnership rules. Whilst there are many advantages for same sex partners in considering Civil Partnerships, there are also a couple of potential pitfalls. Please consider our latest note on this. return to top
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Civil Partnerships Article
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Japan
Many changes are taking place in Japan and a review of allocation is suggested. The attached article provides information on the development of the Japanese equity market. return to top
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Japanese Economy
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Fund Management Updates
You should refer to the attached article for up to date information on some recent changes to investment funds and fund management. return to top
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Fund Management Updates
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Pension Choices
The link on the right will take you to the stakeholder buy list which has been researched by clarity, this includes the current suggested funds for stakeholders. More detailed buy lists are available to service clients.
Individuals with access to Group Arrangements via their employer should consider their options before proceeding further. return to top
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Stakeholder Buy List
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Unit Trust/OEIC/ISA Choices
Here is detail of the current suggested 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 an equity ISA.
The clarity buy list provides further information on the specific funds & managers, together with details of the charges. The list covers both Unit Trusts and ISAs.
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Buy List
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If you would like to see some performance figures on the main managed fund options then please use the link here. return to top
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Managed Fund Performance Figures
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Unit Trust/OEIC/ISA Research
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.
Individuals should note that if they access the following links they will be leaving the clarity website.
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 www.lipperleaders.com
www.morningstar.co.uk
www.ft.com/markets/funds
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Unit Trust/OEIC/ISA Transactions
All individuals are eligible to use our nil initial commission, discounted service, whether or not advice is taken from us. Forms for Unit Trust/OEIC/ISAs can be downloaded through this website by selecting the link here.
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Pick Up Unit Trust/ISA Forms
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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.
If individuals do not wish to utilise the Cofunds platform there are other alternative routes of investment. Please contact your usual clarity adviser to discuss matters further.
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 enquiries@clarityglobal.com
Unit Trust Application Form
ISA Application Form
Key Features - General
Key Features - Fund Specific
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It is important for all to look at the details of how you can make a Unit Trust/OEIC/ISA transaction and what deadlines you must work to. See the link here. return to top
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Unit Trust/ISA Transaction Details
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Cash Investment
Here are some indicative rates for those holding money in cash. Remember that long term cash has historically performed poorly relative to other asset classes. return to top
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Cash Investment Rates
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Mortgage Rates
The linked page 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.
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Mortgage Rates
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Advisers
The link provides further information on the clarity team.
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Adviser Details
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Risk Warnings / Suitability
Investments transacted by clarity as a result of this Newsletter are treated as "Direct Offer" investments. Whilst we have offered generic product details 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 and Keyfacts documents. It is important to read the full notes. return to top
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Suitability
Risk Warnings
Terms of Business
Key Facts
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