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RISK FACTORS |
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Is Growth Investment Plan Plus right for me?
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This may be
right for you if:
• You’re happy to hold your investment
until maturity in five years.
• You’re looking for the potential of a set growth
return that’s dependent on the performance of the three
indices listed.
• You want to know your original capital is protected at
maturity, but you also understand that this depends on
the continuing security of the financial institutions
the fund invests in.
• You’ve £500 or more to invest.
• You’ve money set aside for emergencies.
• You’re looking for a tax free investment, available
through an ISA.
• You’re looking for a new home for your existing ISA
investment.
• You’ve used up your ISA allowance or want to invest
more, potentially tax free. |
This may not
be right for you if:
• You’re looking for an investment that
doesn’t limit the growth you’ll receive.
• You require an income.
• You don’t want an investment linked to
more than one index.
• You’re not sure how the investment works.
• You aren’t comfortable that your capital protection
and growth potential will depend on the continuing
security of the financial institutions the fund invests
in.
• You may need to access your money over the five year
term.
• You’ve no money set aside for emergencies.
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Important Information
• If any of the financial institutions who provide the package
of investments fail to pay the fund what they owe, you won’t get
back all of your original investment. This might also affect the
growth part of your plan so that the set return can’t be paid in
full.
• To receive the capital protection and growth potential you
must hold your investment for the full five years, until it
matures on 8 July 2014. If you sell part or all of your
investment before maturity in five years, you may not get all of
your original investment back.
• You won’t be invested directly in the companies that make up
the three indices. This means that you won’t be eligible to
benefit from dividends paid by the companies that form those
indices.
• When measuring the indices, averaging is used over the final
12 months of the investment. This may restrict any potential
return if the indices used rise over the averaging period.
• The maximum overall growth you could receive is 22%.
• As the current pre-investment interest rate is 0%, you won’t
earn any interest from the date your payment is treated as
cleared until 3 July 2009.
• Unless the performance of your investment meets or exceeds the
rate of inflation, the real value of your investment will
reduce.
Please refer to the Brochure and the Terms & Conditions for full
details. |
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