• Newsletter Library
  
• Self Invested Personal Pensions
  
• New Pension Regime
  
• Cofunds
  
• Fund Management Updates
  
• Pension Choices
  
• Unit Trust/ISA Choices
  
• Unit Trust/ISA Research
  
• Unit Trust/ISA Transactions
  
• Cash Investment
  
• Mortgage Rates
  
• Advisers
  
• Risk Warnings/Suitability
  

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.

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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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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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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.

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 that this cannot be accessed online by clients, however, but can be used by clarity at meetings.

Online dealing in ISA, OEICs and Unit Trusts via Cofunds (no initial commission and significant discounts) is now available.

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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.

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The link on the right will take you to the full text which has been researched by clarity.

Individuals with access to Group Arrangements via their employer should consider their options before proceeding further.

Alternatively, if you just want to see the Buy List then you can use the link here.

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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.

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.

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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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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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.

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.

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.

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Here are some cash rates. Remember that long term cash has historically performed poorly relative to other asset classes.

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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.

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Please refer to the link for further information on clarity.

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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, Combined Initial Disclosure Document (CIDD) and Key Facts Document.

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