Savings schemes
Article Abstract:
Investors without large amounts of capital can gain access to the stock market through savings schemes. Minimum payments into unit trusts can be as little as 20 pounds sterling, though it can also be 200 pounds for some unit trusts. Schemes tend to offer flexibility, permitting additional payments. Investors benefit from the impact of pound cost averaging on returns. Lump sum investments can involve more risk if they are not invested at the right time, though full term investments would generally bring more than the same sum invested over a period.
Publication Name: Investors Chronicle
Subject: Business
ISSN: 0261-3115
Year: 1995
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Income seekers turn to corporate bonds
Article Abstract:
Corporate bond personal equity plans (Peps) were popular prior to April 5 1996 as investors sought to meet a tax deadline. They accounted for almost 23% of new funds in personal equity plans, although they are a recent launch. They are geared to investors who seek and income rather than capital growth, and are not wholly risk-free, though risks are lower than for shares. Higher incomes tend to involve higher risk levels. Corporate bond unit trusts can be used to help spread risks.
Publication Name: Investors Chronicle
Subject: Business
ISSN: 0261-3115
Year: 1996
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Making your cashback go a long way
Article Abstract:
UK mortgage schemes often offer cashbacks and it is not always easy to use these to reduce mortgage payments or loan terms. Cashbacks can be invested in personal equity plans (Peps) if a Pep mortgage is used. This can allow mortgages to be paid earlier. Payments can also be suspended if a Pep mortgage is used. Protective options are also available such as critical illness cover and investment protection. Funds can also be withdrawn from a Pep for emergencies.
Publication Name: Investors Chronicle
Subject: Business
ISSN: 0261-3115
Year: 1995
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