Get your with-profits policy reviewed for free for a limited period. If you're concerned about your with-profits policy, we'll give it a health check and let you know if it's fighting fit or if you should put it to rest. This service ordinarily costs £50 but we're offering it free of charge, without obligation for a limited period. Find out how, why and what's involved in our free health check service.
With-Profits Health Check ServiceIf you
hold a With Profits Bond, Pension or Endowment, this site will help you
review your savings plan. Our With Profits Health Check service
includes analysis and Independent Financial Advice from experts in
with-profits.
We offer independent, impartial and informed advice on all issues
related to with-profits, whether it's advice specific to your policy or
general issues such as whether to accept a reattribution offer or a
proposed scheme of arrangement.
Miles
Hendy ACII APFS, head of With Profits analysis for Fraser Heath
Financial Management has 14 years knowledge and experience from working
with actuaries, marketing and sales teams within two of the UK's
leading With Profits companies. As a Chartered Financial Planner with a further
six years' experience helping clients plan their finances, the
information within this website, our guide and our reports comes from
an experienced and qualified specialist in this field.
We pride
ourselves that our service focuses on providing you with a thorough
analysis and balanced advice. Some with-profits policies are extremely
valuable and worth a lot more than you would get back if you cashed in
or transferred away. Other with-profits policies can have valuable
guarantee features that you should exercise; while many others
unfortunately represent very poor value. We can help you discover
whether you have the good, the bad or a golden egg.
To discuss your policy and to find out how we can help, please call Miles on 01454 327788 or email miles@fraserheath.co.uk.
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With Profits News
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With Profits Malaise and Plain English
How did With Profits get into its troubled state? Was it a "rip-off" like some have suggested or was it more related to the changing economic environment? In a ...
Posted 7 Feb 2010 05:46 by Miles Hendy
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This week's Professional Adviser
Aviva this week stated that they considered that future sales of With Profits Bonds are likely to come from direct marketing and other affinity partners rather than through Independent Financial ...
Posted 7 Feb 2010 03:16 by Miles Hendy
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Friends Provident With-Profits Bonus Announcement 2010
Our main observation relating to Friends Provident’s with-profits bonus announcement today is that the “Equity Backed Ratio” (the proportion of the fund that invests in shares and property ...
Posted 29 Jan 2010 06:34 by Miles Hendy
Video: With-Profits Management Can Diminish ReturnsThe volatility in stock markets over the past two years has highlighted one of the main factors that can diminish returns to with-profits policyholders compared to other types of investment. When asset values fall, liabilities don't. As a result, volatile assets such as company shares may need to be sold to ensure that the fund remains solvent. Shares can be bought back when asset values improve, by which time prices are higher. This video aims to explain this feature of with-profits policies.With-Profits Management Can Diminish Returns
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Note: The information on this site is designed to inform you about with-profits and our services. Ideas mentioned are not a recommendation. Decisions you make based on reading this website are your own and Fraser Heath accept no responsibility for any loss suffered. For a personal recommendation, please contact us.
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