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Introduction - All future newsletters will be available in electronic format via the clarity website, www.clarityglobal.com.
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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 press link on right
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Newsletter Library
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Newsletter Full Version - There is a printable version to this Newsletter
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The Full Version is available via the link on the right.
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clarity Newsletter
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Advisers - The Team
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Here are details of the team.
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Adviser Details
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Market Comment - We have compiled a summary of the current views in the market about equity performance in 2002
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The detailed article gives an overview of what a range of investment houses, from Aberdeen to Threadneedle, are suggesting as their areas of concentration for 2002. In summary the consensus is positive in UK, Pacific (Ex Japan) and Emerging Markets. The consensus is negative in US, Japan and Technology. The consensus is neutral in Europe.
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Market Comment - Detail
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Pensions - How much do I need to save?
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The benefit available on retirement from your pensions is dependant upon the amount of pension funds at the selected retirement date.
The link to the pension calculator may assist in future planning.
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Pension Calculator
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Pensions - Stakeholder Pensions
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Consideration should be given to Stakeholder Pensions for spouses and/or children. In all cases you should first confirm eligibility via our Stakeholder website pages
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Stakeholder Notes
Stakeholder Pensions
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Unit Trust/ISA Choices - Here is detail of the current recommended funds.
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For ISAs make sure you consider your investment for both self and spouse (plus children over 18 or over 16 for a cash ISA)
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Unit Trust/ISA Choices - Buy List
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If you would like further information on the specific funds or managers, please use the links here
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Buy List
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Please refer to the Buy List for details of the initial charge reductions for your Unit Trust/ISA investments. In all cases initial commission (usually 3%) is reinvested for you and in additional further discounts are negotiated. Total discounts are usually from 4.5% to 5.0%
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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/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
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www.lipperleaders.com
www.morningstar.co.uk
www.ft.com/fundratings
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Unit Trust/ISA Execution - make sure you use the nil initial commission facility via clarity
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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 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. If you would like to discuss the transfer of exisitng funds into Cofunds then please get in touch.
NB NOT ALL FUNDS ARE AVAILABLE VIA COFUNDS
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CoFunds
enquiries@clarityglobal.com
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Please select Application Forms and Key Features Documents here.
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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.
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Unit Trust/ISA Execution Details
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Equitable Life Update - With Profits policyholders now have some decisions to make regarding the future of their policy
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Please see the article for the current view
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Equitable Life Update
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Buy to Let Property - a discussion of the main issues and the alternatives
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The attached article provides further comment on property investments. This is becoming an increasing area of interest for both direct and pension investments
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Property Investment
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Bonds - A Safer Option?
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The attached article considers whether bonds are a Safe Option in current market conditions.
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Bonds - A Safer Option
www.bondfundsonline.com
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Cash Investment - Here are some rates for those holding money in cash
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Many are a little nervous of investment at the moment and are holding more than average 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, not least mortgage repayment (beware penalties).
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Cash Investment Rates
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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. Please see the detailed note and also Terms of Business.
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Suitability/Risk Warnings
Terms of Business
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