Discounted Investments in the UK
 We have formed a partnership with Investment Discounts on-line in order to offer some of the best discounted investment products available on the net. Investment Discounts On-line are Independent Discount Brokers who will rebate the majority of any initial commission they receive, this rebate is then used to enhance your investment. Investment Discounts On-Line are regulated by the Personal Investment Authority

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With Profits Bond
With-Profits funds have traditionally been the main savings vehicle offered by insurance companies for medium to long term savings, they are designed to smooth out the ups and downs of stock market investment. With-Profits Bonds provide a balanced investment that is less volatile than direct investment in the stock market. They should be seen as a minimum 5-year investment, as some providers impose withdrawal penalties in the first 5 years, although With-Profit Bonds may be held indefinitely.

Distribution Bonds
Distribution Bonds are designed to provide a growing regular income over the medium to long term (five years or more). The assets in a distribution fund can include stocks, shares, fixed interest securities, convertibles, property and cash. The value of the investment and any income from it may fluctuate and is not guaranteed.

Pep Transfers
Although PEP's have not been available to purchase since the 1998/9-tax year, you are still able to transfer your PEP holding to other providers. There are several reasons why you might wish to transfer your PEP.
1. Your attitude to risk has changed.
2 You require a PEP that pays a higher income.
3 You are unhappy with the performance of your current PEP.
4 The annual charges on your current PEP are too high.

Managed Bonds
These are broad-based investments that give the flexibility to access different investment areas and asset types, without many of the risks associated with direct investment into these areas. The value of your investment goes up and down each day in line with the markets.
 

ISA Rules
An ISA is a wrapper for holding 3 different types of savings and investment vehicles.
1. Stocks and Shares Vehicle - can be made up of Unit and Investment Trusts, Corporate Bonds, Individual Company Shares and OEIC's.
2. Cash Vehicle - can include Bank and Building Society Deposits, National Savings and Cash Unit Trusts.
3. Life Assurance Vehicle - can include certain types of Life Assurance i.e. With Profit Investment Bonds.
The good news is that the Chancellor has announced that the Tax-free limit on ISA's for 2001 - 2002 will remain at £7,000.
 

  Please note that the value of shares and units can go down as well as up and the return from some investments may be less than invested. Early withdrawal from some investments could result in a return of less than the amount invested