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, introduced on 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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 Types Of Pensions
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After further discussion regarding post A-Day changes we recently released an additional research note on the rules regarding
pension input periods. Please consult the links opposite for full details.
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Rules On Saving Into Pensions
Pension Input Periods
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Please see the attached document which compares the two SIPP options which are now being offered by clarity, through James Hay
and FundsNetwork. If you are thinking of utilising a Self Invested Personal Pension for managing your benefits, and would like advice on
the subject, please contact one of our advisers.
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SIPP Product Comparison
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Buylist Change
As described inrecent e-mail alerts, we have now removed the Gartmore US Opportunities from our buylist, we have since looked into
the possible replacements for this fund and have chosen the M&G American Fund, the reasons for choosing this fund are detailed in
the link opposite. Additionaly please see our buy note for the M&G American Fund for further information.
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M&G American Fund
Buy Note
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Alternative Investments - PARTNERS & DIRECTORS
In these days of rising interest rates, volatile equity markets and moribund commercial property markets, clients often ask about
alternative investments. There are many places an investor can look for additional diversification, the three areas discussed in
the note opposite here are among the more popular
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Alternative Investments
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Online Valuations
We Continue to offer an Online Valuation Facility for those clients with holdings in Cofunds & James Hay, using this service clients
can access details of their portfolios online. For more information and a step-by-step guide explaining how to view your valuations
please read the articles opposite
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About the Cofunds & James Hay Valuations
How to view the valuations
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We are pleased to announce that valuations for those clients with FundsNetwork holdings are also able view details of
their portfolios online, this includes SIPP, ISA, PEP and Unit Trust valuations. For a guide to accessing your FundsNetwork
valuation and details on our future plans for online valuations, please read the article opposite.
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About the FundsNetwork Valuation
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Please be aware that due to security issues you must be logged in to view your valuation, and you will only be able to view
your own holdings. Spouse / partners and children will need a separate individual login to view their holdings. We are happy
to create login details for other family members but require a separate e-mail address for each family member, full name and
date of birth. Please contact enquiries@clarityglobal.com with any requests.
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Valuations :
- Cofunds ISA/PEP/Unit Trust...
- Cofunds Only James Hay SIPP
- James Hay SIPP
- FundsNetwork
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Cofunds
We continue to suggest the Cofunds platform for all ISA and unit trust investments going forward. You can also 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.
For those clients who are interested in transferring their holdings to the Cofunds platform, we are offering a FREE
administration service, to assist with the completion of forms and to help the process of transferring your holdings to
Cofunds run as smoothly and as quickly as possible. For further information please see the article opposite.
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
Cofunds Administration Service Details
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As detailed above, online valuations are available via this website. In addition
the link opposite shows the portfolio detail that can also be obtained by clarity for investments held in Cofunds. Please note that this cannot be
accessed online by clients, but are available on request
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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 also available.
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Cofunds Online Dealing
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Market Comment
The following news article provides some details on current changes in the market, and points of interest for investors.
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Market Commentary - February 2007
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Please also see the graph which shows movement of the major indices from July 2006 - July 2007
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Graph of Major Indices
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Fund Management Updates
The attached News Articles detail some recent fund changes which you should be aware of. If as a result of these you feel that you
may wish to switch fund holdings, please contact your usual clarity adviser.
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Gartmore US Opportunities Fund 13.07.07
Gartmore US Opportunities Fund 29.06.07
Fidelity Special Situations Fund
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Pension Choices
As a number of clients will now have SIPP investments, we will no longer be tracking the insured funds as we have done previously.
If you wish to discuss specific insure fund choices or discuss SIPP selection, then please do get in touch. For those with Clerical
Medical policies, there are some links here to original buy notes for these funds if you wish to refresh your understanding of asset
allocation.
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Clerical Medical Performance UK Equity
Clerical Medical Performance Adventurous Managed
Clerical Medical Performance Balanced Managed
Clerical Medical Performance Cautious Managed
Legal & General UK Index Tracker
Legal & General Global Equity Fixed Weights Index
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For spouses / partners and children who have Stakeholder Pensions plans, or who are interested in acquiring a stakeholder policy, 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.
Individuals with access to Group Arrangements via their employer should consider their options before proceeding further.
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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.
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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/fundratings
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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/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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Cash Investment
Indicative rates for those holding money in cash. Remember that long term cash has historically performed poorly relative to other
asset classes.
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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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Claire Brooks - Please note that Claire will be on maternity leave until April 2008. Please refer to Glyn Bolton regarding any
advice.
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glyn.bolton@clarityglobal.com
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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 Menu
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