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Introduction
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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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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
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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 so that you get 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.
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Cofunds
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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 Valuation
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Online dealing in ISA, OEICs and Unit Trusts via Cofunds (no initial commission and significant discounts) is now available.
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Cofunds Online Dealing
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Pension Green Paper Update - The proposed pension changes are likely to be of relevance to many clients.
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The recent Pension Green Paper contained proposals which, if implemented, are likely to have implications for many pension planning strategies.
Whilst at the time of writing no further information is available we understand that an announcement will be made after the Pre-Budget Report in December.
Further information is available from previous newsletters via the following link.
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Newsletter Library
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AMP NPI - The latest news.
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You should refer to the attached article for further information on the proposed de-merger.
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AMP NPI
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Pension 31st January 2004 Deadline - make sure you act.
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The attached article is to remind clients that they should ensure they have considered carry back of pension contributions before 31st January 2004.
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31st January 2004 - Deadline
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Pension Choices - Details of the current recommended 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.
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Stakeholder Pensions
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Unit Trust/ISA Choices - Here is detail of the current recommended 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 a stocks and shares ISA).
Please refer to the attached link for a Buy List which 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/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 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.
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enquiries@clarityglobal.com
Unit Trust Application Form
ISA Application Form
Key Features - General
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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 Transaction Details
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Fund Management Changes - An update.
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The attached article provides a comment on fund management changes for a number of the recommended funds.
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Fund Management Changes
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Tracker Funds - what should you consider?
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The attached article provides further comment on Tracker funds and issues that you should consider.
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Tracker Funds
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Cash Investment - Indicative 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.
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Cash Investment Rates
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Mortgage Rates - Indicative rates since the latest base rate increase.
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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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Mortgage Rates
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Advisers - Details of the clarity team
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Please refer to the attached doc link for further information of the clarity team
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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.
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Suitability/Risk Warnings
Terms of Business
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