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| Introduction - this online newsletter will provide further advice for individuals
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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 - Previous Newsletters can be found in the Newsletter Library
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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.
Please remember that the information contained in these archived items is not subject to ongoing review or comment. return to top
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Newsletter Library
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| Cofunds - We are recommending a transaction platform for all ISA and unit trusts going forward.
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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 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.
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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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Investment Outlook - Some may be interested to consider the views of the main investment houses.
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We have looked at the main investment house views on all the main geographic regions for 2005 and beyond which has highlighted some interesting trends. return to top
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Investment Outlook
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Pre-Budget Announcements - There are a number of proposed changes that will be of an interest to many clients.
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The Pre-Budget Speech on 2 December 2004 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
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Pre-Budget Speech
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| Tax Year End Planning - Here is a Year End Checklist to help you decide on action prior to 5th April.
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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.
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Year End Checklist
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Individuals interested in investing in VCTs should refer to the attached article.
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VCT Investment
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If you wish to pre-register for future e-mail alerts for VCTs (those who have not already done so for prior years), then please send an email to Richard Hill via the link here and he will mark your records such that you receive future VCT communications. return to top
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richard.hill@clarityglobal.com
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| Fund Management Updates - The latest news
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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 Topical Issues - References back to topical articles
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Self Invest Personal Pension (SIPP) - both PPP and RAP investors are considering SIPPs as an excellent way to coordinate and manage pension assets more effectively going forward. This is particularly the case in light of proposed changes in legislation but still relevant for action now.
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Self Invested Personal Pension Plans (SIPPs)
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New Pension Regime - the proposed changes now seem to be progressing towards the "A Day" of 6th April 2006. The link here gives details of the proposed changes as far as detail is available at this time. NB ALL will be effected and ALL should review their position well in advance. return to top
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New Pensions Regime
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| Pension Choices - Details of the current suggested funds
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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
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Stakeholder Pensions
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| Unit Trust/ISA Choices - Here is detail of the current suggested funds
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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.
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The clarity buy list provides further information on the specific funds & managers, together with details of the charges. The list covers both Unit Trust/OEICs 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 - You can conduct some of your own research on the web.
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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. return to top
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www.lipperleaders.com
www.morningstar.co.uk
www.ft.com/fundratings
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Unit Trust/ISA Transactions - make sure you use the nil initial commission facility via clarity.
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All individuals are eligible to use our nil initial commission, discounted service, whether or not advice is taken from us. Forms for Unit Trust/OEICs/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 for further information.
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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/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 - Indicative rates for those holding money in cash.
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Here are some cash rates. 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 - Indicative rates.
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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
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Mortgage Rates
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| Advisers - Details of the clarity Team
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Please refer to the attached document link for further information on clarity. return to top
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Adviser Details
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| Risk Warnings/Suitability - It is important to read the full notes.
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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
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Suitability
Risk Warning
Terms of Business
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