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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 suggesting 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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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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Risk and Return - An update
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Individuals who are making investment decisions or reviewing their overall portfolio may wish to refer to the attached article for further information. return to top
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Risk and Return
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| Venture Capital Trusts (VCTs) - An alternative investment
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Those individuals wishing to consider a VCT investment may find the attached article of interest. return to top
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Venture Capital Trusts (VCTs)
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| Inheritance Tax (IHT) - there have been a number of legislative changes
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Individuals may wish to refer to the attached articles for up to date information on the recent changes and the impact on their overall planning. return to top
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Pre Owned Assets
Will Planning
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| Self Invested Personal Pension Plans (SIPPS) - A detailed explanation
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The attached link provides further information on SIPPs. Individuals who are members of Group Arrangements should consider these benefits before taking further action. 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. return to top
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Self Invested Personal Pension Plans (SIPPs)
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| New Pension Regime - An update
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Individuals will be aware that with effect from 6 April 2006 the current pension legislation will be amended, subject to certain transitional rules.
The changing legislation will have an impact on all individuals and the attached article provides an update.
It is important that individuals seek advice from their usual clarity adviser before taking any further action. return to top
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New Pension 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 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/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. 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/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/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 of 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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