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Home Information Packs....
Commonly known as HIPs, Home Information Packs will
become a legal requirement in the house buying
process with effect from 2007, to find out more click
above.
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Will Writing....
Arrange your will in the comfort of your own home,
enter your details and a consultant from Willplan
will call you to discuss your requirements.
The FSA does not regulate Will Writing
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PEPup your PEPs
Were you
one of the many thousands of investors who, during the 13 years that
PEPs were in existence, contributed towards the many billions of
pounds that were ploughed into them? If so, it's probably time that
we had a PEP talk!
It's good to talk
The rules that applied to PEPs were restrictive when it came to
constructing a balanced and diversified portfolio. A large
proportion of whatever you invested in a PEP had to be held in
either the UK or Europe. As a result, if you have not reviewed your PEP holdings since the rules changed
it is likely that the majority of all monies held in your PEPs are invested in UK funds.
The fact that such a high percentage of private capital is invested
in the UK means that these investments are totally at the mercy of
the ups and downs of one stock market.
Rule changes
If you find yourself in this position, please talk to us so that we
can discuss how you could rebalance your portfolio through a PEP
transfer. Put simply, this is the movement of your funds from one
PEP manager to another. Now, the much more flexible ISA rules on
where investor capital can be invested also apply to PEP transfers.
Therefore, if you want to transfer your PEP out of a UK or European
sector fund into one based in the US, Japan or an emerging market,
there is nothing to stop you doing this.
The Treasury now also allows money you hold in single company PEPs
to be bundled together with funds held in your general PEPs. This
means that you can now move large sums from single to collective
equity investments while still keeping them within a PEP, thereby
reducing your exposure to risk.
PEP Transfers
Finally,
let's not forget about partial PEP transfers. If your PEP is divided
between a few funds - some good performers, others not - it's now
possible to transfer out of the under-performing funds while
retaining any investments that have paid off.
Levels
and bases of, and reliefs from, tax are subject to change. Because
these investments may go down in value as well as up, you may not
get back the full amount invested. Exit penalties may apply. Values
of income and/or growth may fluctuate while any a transfer remains
pending.
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