Peter likes to have his finances under control.  He has worked hard and has always put something by for his future making various investments over the years.  Some have done well but others he is less satisfied with.  He could cancel these and reinvest but is concerned that each time he does so, he pays charges. 

 

He approaches Star Financial Planning and we explain there has been a price breakthrough in the platform market.  We help him to bring his investments under one roof whilst maintaining independence and maximum choice.

 

Peter now has in one place, his ISA, his pension fund, an investment bond and a portfolio of unit-trusts and OEICS.  He can obtain a global valuation within seconds.

 

To maximise his potential returns within his risk-profile, Star Financial Planning design a medium-risk growth portfolio using the best fund managers including Invesco Perpetual, Henderson, Artemis, Newton, Cazenove, Axa Framlington, Threadneedle, Martin Currie and M & G.

 

Now his investments are working for him.  There is no annual charge for Skandia's Selestia platform and Star Financial Planning are taking no deductions from his fund.  He enjoys good performance and decides to increase his returns by switching some of his corporate bond funds into UK Special situations.  Thanks to the terms arranged by Star Financial Planning his fund switch costs nothing, even though the special situations fund is managed by a different fund manager.

 

After six months, Star Financial Planning provides him with the latest research, he switches funds, again without incurring any charges.

 

As Peter approaches retirement he finds he needs more income.  For no charge, Star Financial Planning provides him with a revised portfolio that is geared towards income.  His switch on the platform is again without charge and his new investments are produce five percent per annum yield in addition to any growth.  He draws 3% per annum from his ISA and unit trust funds to supplement his income. 

 

Later in the year he transfer 25% of his pension fund into his unit trust account and beings drawing 3% per annum from his pension fund also.

 

Having switched to Skandia and Star Financial Planning, Peter finds his investments easy to monitor, manage and adjust to suit changing markets, his changing needs and his attitude to risk.  He is delighted to be paying only £51.58 per annum for this remarkable service.

 

To find out what Skandia and Star Financial Planning can do for you, contact us or use the enquiry form.