Guide to With-Profits Investments

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CPD
Approx.60min

    Guide to With-Profits Investments

      pfs-logo
      cisi-logo
      CPD
      Approx.60min
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      Introduction

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      These policies, which can be in the form of a fund, a bond or a pension, have been used to for long-term savings or retirement or to pay off a mortgage. Investors are assured of some protection from the vagaries in the stock market by a ‘smoothing’ process in the level of returns.

      The possibility of a future lump sum in the form of an endowment or income is a key selling point for many customers.

      Answers provided by Paul Fidell, senior investment business development manager at Prudential, and Kevin Arnott, with profits actuary at the Phoenix Group.