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<p>That is to say first class security, no risk and a competitive rate of return. But it also offers you more: the potential for a much higher level of growth. To qualify for these rates of return your deposit must be maintained with us for five and a half years from 8th July Interest will be paid only on maturity.</p>
<p>If you do, then you would be making a big mistake. Here are some of the reasons why you should con-sid er an Equitable Pension Plan.</p>
<p>Typically they will hold shares in companies, so the risk is spread widely. They are low cost compared with insurance products and flexible—you are not locked in for a specific investment term, though as wife all share related investments you should normally think in terms of five to ten years to get the best results. While spreading money across a number of shares means you wfll not lose out if one company goes bust, it does not protect you against a general fall in the stock market One of the advantages of investing through unit and investment trusts is that they overcome the problem faced by many small investors, such as those in privatisations, who have found that while buying shares is relatively easy, it is much more difficult to decide an the right time to sell.</p>
<p>For most first-time equity investors, unit and investment trusts are a more suitable alternative. Unlimited growth. Capital security. This first public offer is available for a limited period only of that growth, plus capital security over hs planned five year life. In other and must dose on 21 June Tax benefits relating to PEPs may change.</p>
<p>This is not surprising as there are many similarities. SEC will pay you much more money than die 1 Mreuhrwto. Don’t Jose out on that axm cwhl Phone our Mend ‘ bdpftil staff now.</p>
<p>Hero WD6 4RZ. SEC ment bonds, however, are the least suitable choice for most people because they are less tax efficient. T he tax position of unit and investment trusts is identical. They are not subject to tax on any capital gains made from the sale of assets in their portfolios.</p>
<p>Income from the trusts is paid net of tax, with a tax eralit of 20 per cent which can be reclaimed by investors who are non-taxpayers.</p>
<p>Basic-rate taxpayers have no more tax to pay. If a trust is held within a Pep. Charges are similar on both trusts. Unit trusts are divided into units and the value of each unit rises and falls in line with the value of the shares in the fund. Investment trusts are companies with a fixed amounts of capital.</p>
<p>Investors buy shares in the company. The price of the shares reflects the investment trust’s, assets and supply and demand for fee shares.</p>
<p>The basic principles of Sharia are not dissimilar to those of the more familiar UK ethical funds. But Sharia is different in one key aspect and that is on the question of usuiy. Oasis, which could add an emerging markets subfund to the present international equity one. Neil Honebon. Flemings estimates that the total annual cost of being Islamically correct is unlikely to be more than 1 per cent.</p>
<p>The other Gulf states are also important Islam- ‘er of more for your endowment policy. Please have your policy details to band when calling. A free guide is available. With us you are in safe hands. Fax Oasis details: About 75 per cent of the proposed portfolio will come from the smaller companies category with the remainder from the FT-SE index.</p>
<p>Mr Miller is particularly keen on companies where the management has a significant stake in the firm and thus its future performance. He will also look for consistent year- on-year free cashflows and superior profits growth. The charges for die Jupiter unit trust are at the top end of the industry scale with a 5.</p>
<p>PEP management fee mol 30 March Telephone: The No. For more information, contact your financial adviser, return the coupon below or call Mercury free.</p>
<p>Please send me details of the Mercury Emerging Markets Fund. World class performance at your fingertips. Argyll W23 7UZ. A whole world of investment opportunities. Just one decision to make. Scottish Eastern is a publicly quoted investment trust whose shares are traded on the London Stock Exchange. Since Now you can do so through the Martin Currie Savings Plan. Send for details by completing the coupon opposite or telephone us free on Martin Currie Investment Management Ltd. Saltire Court.</p>
<p>Regulated by IMRO. Compared with Similarly, stringent investment discipline and proven methodology are used to assess die value, quality and potential of individual companies. Of course, past performance is not necessarily a guide to future returns and emerging markets can be riskier than other investments. Ask your Financial Adviser for a Mini-Prospectus. Or call free on weekdays 9am-9pm, or at weekends 10am-4pm, on 27 27 The value of investment 1 – and income fium them may fall as well as rise and investors may not get back the amount originally invested.</p>
<p>Iriapecme investors should be aware of the underlying risks associated with investing in duns listed on mdcmirfcets in emerging markers which can be mow volatile and less marketable duo in more developed markets.</p>
<p>Changes in exchange nus between currencies may cause the value of the investment ro diminish or increase. This invBmient may not be suitable for all recipients of this advertisement; if you haw. Most of these accounts require that you make a contribution each month and penalise those who foil to do so.</p>
<p>No withdrawals are allowed until the three years are up. Ibis allows you to avoid the risk of committing all your funds to the market just as it peaks. Drip-feeding money into the market gradually helps to smooth out short-term peaks and troughs. The beauty of collective investment schemes such as unit trusts and investment trusts is that they spread your risk across many different companies. Again no withdrawals are allowed until the end of the term. Unit trusts Traditionally, equity markets have provided a better return than bank and building society savings.</p>
<p>The very best one year bond available from any major building society or bank. UP TO 6. Created by the specialists In savings and Investments – this one year Bond offets the best fixed rate available born any major building sodety or bank. A variable rate option is also available. Call in at your local branch, telephone free on 20 21 21 for details, or complete the coupon nonr and enclose H frith your cheque.</p>
<p>Please note that investors in the One Year Option Bond Deposit do not become members of the Bristol a West Building Society To open yoar account by post please complete this coupon and enclose itvrithyonr cheque made.</p>
<p>British banks have long cast envious eyes on their transatlantic counterparts who charge their customers with impunity. But the high price of US banking does not necessarily ensure good service. But then, banking in the US is a strange. It is particularly infuriating because, once you have an account, you are charged for everything. Free banking is an alien concept in the US.</p>
<p>But the charges do not stop there. Then you are charged every time you write a cheque — around 35 cents each time. If you were hoping that the service you get from Barclays or any other high street tank will instantly improve when they start charging you for every breath you lake inside their branches, think again. What services can you expect from a high-charging US bank? Not much.</p>
<p>Most inconvenient is probably the lack of standing orders. London N3 2JU regular payments such as renter utilities bills, you have to write a cheque each month because the bank will not do it automatically.</p>
<p>And cheques, by the way, take an unspecified number of days to clear, whether they are payments or deposits. Yet again, the bank did not seem pa rticula r- ]y keen to take her money. As a sop to their hard- pressed customers, many banks make special offers of things like free insurance, but the offers are usually so mean they seem more like an insult to the intelligence. My own tank.</p>
<p>The real point of the offer, of course, was to try to get me to buy a whole lot more insurance from the bank, which would then have received a nice commission from the insurance company. Yet few people feel they get such satisfactory service” from their banks that it is worth all the charges they have to pay. One can only hope that this is not the model the British banks have in mind as they start to crank our their new bells-and-whistles high- charging accounts.</p>
<p>Something certain in an uncertain world. How sure is a sure thing? After all. Now you can with Britannia’s High Income Bond. Which guarantees you a fixed rate of interest for more than five years.</p>
<p>With rates as good as this, our High Income Bond fs strictly limited, so don’t miss out on this excellent investment opportunity. Few things are certain in this life. Fortunately, Britannia’s High Income Bond is one of them. Mo wrthrfraiMb or further investments allowed during the term. Interest vufll be payable net of the applicable rate of Income tax which may be reclaimed by non-taxpayers or gross subject to the required registration.</p>
<p>Postcode Daytime Tel. You may wish to use first class post to the address above for a speedier return. M-h Life Assurer.. Reflated by the Personal Investment Authority. Information nr advice will only be provided on Scotti,h Widows products. The leaflet answers such questions as: do I pay income tax on my pension, and can I claim my pension if I go to live abroad? Level g Canada Lfe. Level cj Standard U. Higher tales tar wnokera.</p>
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<p>Equity Fund X0 X High Inromc KrelO They are also great for anglers looking to long line with wagglers or for bigger fish in deep water. Bolo fishing needs specific equipment to get it right. Rods need to be easy to handle and extremely well balanced yet powerful and robust at the same. We have put together a range of rods with very specific actions to suit different fishing situations. Pick the right rod to get the maximum of.</p>
<p>When topping up at distance put your pole down on a feeder arm to leave both hands free for. Range of waggler rods developed by some of the best anglers in England!</p>
<p>Designed to cover both carpodromes and natural venues there are 5 rods in. The 2 section rods are particularly suited to carpodromes and pellet waggler fishing whilst the 3 section models are more versatile. Great handling and striking actions. Telescopic rods fold away neatly and take up less space in your holdalls. Ideal for match anglers who can have several rods set up to respond quickly to. Range of rods developed specifically for feeder anglers.</p>
<p>You are sure to find a rod that will cover almost very feeder situation imaginable in this range! Brand new range of rods for feeder fishing put together by top English match anglers. Sure to. Ideal for commercial fisheries but also. Range of groundbaits designed to be quick acting and pull fish fast into your.</p>
<p>Rich in active particles such as ground seeds. Each groundbait has been blended to target. Range of groundbaits developed for fishing in clear waters all year round. An added bonus is you will not stain.</p>
<p>They have already proved themselves in countless. Active ingredients make sure the groundbaits disperse quickly to. With their fine texture these groundbaits are perfect for. Very popular for difficult fishing in canals and other waters that are not affected by strong currents. These classic groundbaits have stood the test of time and been developed to work on diverse. The «Classic. Range» is the result of close collaboration between our technicians and the experience of top. These are pedigree groundbaits with a proven fish catching.</p>
<p>The vast experience of all the «Team Sensas Anglers» has been used to develop these top quality specialist groundbaits. They are perfectly adapted to.</p>
<p>A range of groundbaits carefully developed for commercial fisheries. Everything about these groundbaits is right, from the feed value to particle.</p>
<p>These groundbaits are perfect for the job. All fans of fishing on commercial waters will be delighted with this new range of high performance. New range of groundbaits developed by Jean Desque and top English match anglers. Designed for commercial venues as versatile pole and feeder. New range of paste base mixes perfect for using on the hook but can also be moulded round method feeders. Small fish Fine textured groundbait with an aniseed flavouring, and a little binder. Their clouding effect makes them particularly attractive for small fish.</p>
<p>We all know how difficult it is to wet a groundbait perfectly. All you have to do is open the bag, give it a.</p>
<p>Contained in each pack is the benefit of years. With your. These Tournament Series pellets are a real innovation in pellet development. Each pellet is based on the original groundbaits of the range with all.</p>
<p>What you get is a groundbait but in a versatile pellet form! Can be added to any groundbait or. This large particled groundbait will help attract and hold big fish.</p>
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