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What options are available to you as an investor?

Unit-Linked Investments

Unit-linked investments offer you one of the easiest and most tax-efficient ways to invest. Such funds hold pools of assets, the ownership of which is pro-rata among the unit holders. Unit-linked funds are pooled investments (covering many types of asset) held by an investment manager. Unit-linked funds offer you:

  • a choice of funds across different assets and geographic areas allowing you to develop a well-diversified portfolio tailored to your specific needs;
  • experienced investment professionals who are well-positioned to identify good investment opportunities. Using professional investment managers allows you access to stock markets without the expense and expertise needed for trading shares directly;
  • the flexibility to switch between a wide range of funds during your investment. This allows you to capitalise on market conditions or to change your investment as your needs or circumstances change to ensure you always have the most tailored investment possible;
  • a tax efficient method of investment. Your investment in a unit-linked fund will generally grow free of tax until you choose to encash your policy on the 8th policy anniversary and every 8th anniversary thereafter. At this point, we will automatically deduct any tax applicable (currently the basic rate of income tax +3%).