Lowerrisk
Investec Multi Asset Protector Fund
The fund aims to provide long term capital growth from amulti asset portfolio and to deliver protection at 80% of the fund's highest share price ever achieved. The fund may take investment exposure to global equities, bonds, property, commodities cash and alternative assets. From time the Fund's strategy will be to increase it's allocation to low risk bearing investments which is designed to deliver the 80% protection.
| Fund Performance | 5 Years | 3 Years | 1 Year |
|---|---|---|---|
| Investec | - | - | -4.90% |
| Sector Average | - | - | -3.50% |
Summary information
| IMA Sector | Protected |
| Fund Manager | Philip Saunders |
| OBSR Rating | N/A |
| Fund launch date | 30.01.09 |
| Income Distribution Yield | 0.42% p.a. |
| Minimum lump Sum | £1,000 |
| Minimum Monthly | £50.00 |
| Fund discount | 1.50% |
| Annual Management charge | 1.60% |
How to apply
Mediumrisk
INVeSCo Perpetual Distribution Fund
The fund aims to achieve a balance of income and capital growth through a portfolio of primarily UK equity and fixed interest securities. In pursuing this objective the fund managers may include investments that they consider appropriate which include transferable securities, money market instruments, warrants, collective investment schemes, deposits and other permitted investments.
| Fund Performance | 5 Years | 3 Years | 1 Year |
|---|---|---|---|
| INVESCO Perpetual | 15.72% | 41.62% | -1.21% |
| Sector Average | 4.27% | 25.79% | -0.58% |
Summary information
| IMA Sector | Cautious Managed |
| Fund Manager | P.Causer & P.Read |
| OBSR Rating | 'AAA' |
| Fund launch date | 26.01.04 |
| Income Distribution Yield | 7.31% p.a. |
| Minimum lump Sum | £1,000 |
| Minimum Monthly | £50.00 |
| Fund discount | 2.00% |
| Annual Management charge | 1.38% |
How to apply
Highrisk
Aberdeen Global Emerging Markets Fund
The Fund's investment objective is long-term total return to be achieved by investing at least two-thirds of the Fund's assets in equities and equity-related securities of companies in an Emerging Market country; and/or companies which have the preponderance of their business activities in an Emerging Market country.
| Fund Performance | 5 Years | 3 Years | 1 Year |
|---|---|---|---|
| Aberdeen | 12.05% | 28.40% | -2.52% |
| Sector Average | 4.04% | 20.99% | -10.35% |
Summary Information
| IMA Sector | Global Emerging Mks |
| Fund Manager | Devan Kaloo |
| OBSR Rating | 'AAA' |
| Fund launch date | 15.08.01 |
| Income Distribution Yield | N/A |
| Minimum lump Sum | £1,000 |
| Minimum Monthly | £50.00 |
| Fund discount | 1.25% |
| Annual Management charge | 1.75% |
How to apply
Income
Artemis Strategic Bond
The fund aims to achieve a total return by investment predominately in fixed income markets but may selectively invest in other markets and asset classes as determined by the Manager's strategy from time to time. The fund will invest in all types of bonds from Government to corporate and from investment grade AAA rated bonds to C rated Bonds.
| Fund Performance | 5 Years | 3 Years | 1 Year |
|---|---|---|---|
| Artemis | 13.4% | 37.70% | 13.10% |
| Sector Average | 10.10% | 32.10% | 7.40% |
Summary Information
| IMA Sector | Strategic Bond |
| Fund Manager | J. Foster & A. Ralph |
| OBSR Rating | 'AA' |
| Fund launch date | 01.06.05 |
| Income Distribution Yield | 5.5% p.a. |
| Minimum lump Sum | £1,000 |
| Minimum Monthly | £50.00 |
| Fund discount | 2.00% |
| Annual Management charge | 1.00% |
How to apply
Important Information
Financial Management is authorised and regulated by the Financial Services Authority. FSA number 485423.
This correspondence is a direct offer and does not represent financial advice. If you are unsure of the suitability of the funds recommended you should seek specific financial advice.
Please ensure you read and understand the information relating to the fund(s) which are appropriate to your circumstances.
No cancellation rights apply to the products detailed and you should therefore be certain the investment is suitable before applying.
You may encash your ISA at any time with no penalty however the value of units can fall as well as rise and you should be aware on encashment you may not receive back the full amount invested.
For arranging the policy Cofunds will pay commission to Financial Management of 3% immediately and 0.5% of the fund value each year. For example if your investment was £1,000 we would receive £30 immediately. Thereafter if your fund was worth £1,500 we would receive £7.50 each year. If your fund was worth £3,000 we would receive £15 each year, these payments would be made monthly to Financial Management.
You will receive half yearly statements providing valuations at the 31st May and 1st November. You may also view details of your ISA on-line after registering on the Cofunds website www.cofunds.co.uk (free of charge).
If you are not an existing client of Financial Management we will need to verify your identity which will require us to request certain documents to comply with the Money Laundering Act. We will contact you if this is necessary.
A copy of our Terms of Business (Key Facts) can be found on our website www. staffbenefits.net together with our statement relating to Treating Customers Fairly. Should you need to make a complaint - please write to Philip Harper at the firm's address.
How to apply
Why CoFunds?
Cofunds"Having thoroughly researched the market and selected our shortlist, the decision to adopt Cofunds as our investment platform became a straightforward process. Cofunds were able to demonstrate a technically advanced and powerful system which enables our clients to hold any number of ISA funds in one place. This facility helps us to administer and report to clients in a highly efficient manner. Our clients who join Cofunds can access virtually every ISA fund on the market - many with significant discounts, including the four funds recommended in this update" Philip Harper Managing Partner - Financial Management
"We are delighted to work with Financial Management. As the UK's leading independent platform, we are confident we can deliver top quality service that will support Financial Management as they evolve their proposition - helping them to deliver real value to their clients" Alastair Conway - Sales & Marketing Director