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Is this
product
right for you? |
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I am interested in this
investment because:
• I know that my original capital will be repaid, if I leave
it for the full investment term
• I am interested in the prospect of what might be a higher
return than that received from a deposit account
• I appreciate the need to diversify my investment portfolio
• It suits me that Optimiser is taxed as Capital Gain rather
than income and I want the option of potentially using my
Capital Gains Tax annual exemption
• I also have the option to invest via a
Stocks and Shares ISA. |
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No ,
this investment may not suit me because:
• I do not want to risk investing into an
area I know little about
• I might need access to my money before the end of the
chosen term and cannot risk getting back less than I
invested if I sell the investment early
• I don’t want to risk earning no return on my investment or
less than I would have done with an ordinary deposit account
• I want a regular income from my money
• I want to invest for longer than 5 years.
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Things to consider
•
The Optimiser is designed for investors who can invest
an amount for a particular period and leave their
capital invested during that time. You can sell the
investment before the end of the term but you may not
get back the amount you invested irrespective of how the
Fund or Basket has performed.
•
All the Optimiser’s benefits are paid at the end of the
investment period. No income or other benefit is paid
before then.
•
An investment into Optimiser is not like a deposit
account. No interest is added during the term and you
cannot withdraw your capital until the end of the term,
without the risk of losing money.
•
We use averaging of the indices’ levels in the final
year to calculate the returns on the investments. While
this can reduce the potential for gain it can also
lessen the effects of falls in value.
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Remember, whatever you get back at the end of the
investment term, inflation during the term will have
reduced its value.
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Shares and investment returns linked to them involve
greater short-term risk than cash deposits, and whilst
it is worth bearing in mind that, over the long term,
equities have historically performed better than
deposits, you also need to appreciate that the past
performance of investments is not a guide to their
future performance.
Please refer to the Brochure and the Terms & Conditions for full
details. |
