-
Regular withdrawals
of up to 10% of the portfolio value may be made each year without
penalty. These may be monthly, quarterly,half-yearly or annually. In
the first five years of an investment, withdrawals in excess of the
10% annual limit will be subject to an early cash-in penalty.
-
The portfolio may
be cashed in at any time, although there may be a penalty for doing so
during the first five years of an investment
or
during a quarterly investment period.
Stocks and shares
may be directly exchanged for an investment in the portfolio –
investors wishing to benefit from the advantageous terms available
should consult CSM Ltd for details.
The portfolio may be
divided into up to 100 individual policies subject to a minimum
investment of GBP 500 (USD 800, EUR 800) in each. This can allow
greater flexibility for investors with a requirement for tax planning.
The minimum
investment is USD 24,000, (GBP 15,000, EUR 24,000) and there is no
maximum. Additional investments of at least GBP 1,500 may be made at
any time.
The minimum age for
investors is 18 years.
There may be up to
six lives assured.
The amount payable
on death is the full value of the portfolio less an adjustment if the
claim arises during the five years following an investment.
Individuals,
companies, trustees and certain pension scheme trustees may invest in
the portfolio.
A choice of
funds and currencies to invest in: US dollars, sterling or euros.
Download
The "Safe Combination" Brochure (180kb)
The Safe
Combination Bond is an award-winning
single premium investment bond which provides returns linked to the performance of the world's major stockmarkets. Uniquely, it
also enables investors to choose and control the maximum level of risk to which their capital is exposed. The recent
dramatic stockmarket falls, especially those within the technology sector, illustrate the considerable
short term risks and dangers which an investor would normally face when investing in the stockmarket.
The Safe Combination Bond allows you to invest with the confidence and security which come from knowing that
you are firmly in control of your portfolio risk at all times. The bond also enjoys the tax efficiency of an Isle of Man
investment, liberating you from the problems associated with traditional stockmarket investment such as local taxation and
portfolio administration*.
You can invest in any of Royal London 360's different
capital
protected stockmarket funds or your own combination.
The funds are available in three currencies: US dollars,
Sterling and Euros.
11 point benefit checklist
- Select a level of quarterly capital protection varying from
absolute security with 100% capital protection through to 95% protection with highly attractive growth potential.
- Choose to link your returns to the major market
economies – UK, US, Europe, Japan and technology.
- Invest in capital protected funds which already boast
highly competitive short- and long-term performance.
- Invest in capital protected stockmarket funds which can
grow even when markets remain flat or in funds which can outperform stockmarkets when they rise.
- Select investments which are free from the additional
concerns of currency risk.
- Switch to the security of a bank deposit fund if every
market looks set to fall.
- Select either a managed or passive investment option.
- Benefit from gross (tax-free) growth on your portfolio
which enables you to achieve greater long-term investment benefits*.
- Select and switch your investment choice and capital
protection level free from any concerns about taxation.
- Switch your investment selection each and every quarter
free of charge, and on-line with CSM Ltd.
- Make use of the unique
"Safe
Combination" facility if you prefer
-
Take a look at how the safe combination works in practice.
*The value of tax benefits depends on individual circumstances
and can change.
How can you control investment risk?
The Safe
Combination Bond allows you to protect yourself and your capital from investment risk. This is achieved through a unique range of capital protected funds which allows you to take control over your investment risk, providing you with a selection of investments which have the potential to:
- make money even when stockmarkets don’t rise
- make more money than stockmarkets when they do rise
- still make money even when stockmarkets fall.
The wide range of funds available and the
"Safe
Combination" has already won a number of awards for innovation from financial
institutions around the globe.
How can you control administration risk?
Wouldn’t you rather do away with paperwork?
Investors in the Safe Combination Bond will also be relieved of the normal burden associated with running a
personal stockmarket investment portfolio. Investors have the comfort of knowing that, regardless of how many funds they have
invested in, they will still receive just one statement of value.
Keeping track of the value of a portfolio is also simple, as investors will receive a statement of value, listing all different holdings,every year.
If you make use of the
"Safe
Combination" you will reduce dramatically the time and effort
required to monitor your funds whilst being reassured that your portfolio
is safeguarded by the limits if risk exposure that you set.
Download the pdf file of
"How It Works"
Take control @ sli-central.com
Should you wish to switch your investments at the end of any quarter, or enquire about your fund value or plan status,
CSM Ltd will be able to access details instantly through
Royal London 360's secure extranet service.
This exceptional facility will help to speed up the services you receive from
Royal London 360 and CSM Ltd.
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