Inv.Update
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This document provides information on November adviser roadshows and CAERUS SIPP products. It summarizes the revenue lines of fund management and introduces the CAERUS SAFEApproach investment framework. Performance slides are shown comparing dynamic rebalanced portfolios to other funds and sectors. Pointon York's experience in SIPPs is outlined, detailing their history and specialist areas. Finally, the document compares charges for CAERUS SIPPs and notes the key differences between SIPPs and personal pensions are now down to investment rules.
Inv.Update
- 2. Transactions The 5 revenue lines of Fund Management Fund Sponsor Fund Management ACD Services Trading and Dealing Indices and Assets 19
- 3. Friday 4 November 2011 3
- 4. The CAERUS SAFEApproach to Investment Advice We aim to provide Clients with Investments that are:- 4
- 5. The “Matrix” Core Protected Mainstream Focused Discretionary Funds Range Funds Funds 25% Risk/Reward 18% 13% 5% Cost/Charges 0.5% Approx. 1.0% 1.5%+ 5
- 6. Dynamic Rebalanced Portfolios – Simple Objectives • Four risk-rated Funds • Aligned to CAERUS Risk Profiles 3/4, 5/6, 7/8 and 9/10 • Actively managed by Evercore Pan-Asset • Multi-asset passive portfolios • Market leading from a cost perspective - 0.25% AMC • Investing in a portfolio of index tracking fund and Exchange Traded Funds (ETFs) • Rebalanced daily as required • Underlying Asset Allocation model reviewed quarterly
- 7. Performance slides DRP vs. Newton vs. Sector average 7
- 8. Performance slides DRP vs. Newton vs. Omnis Balanced 8
- 9. Performance slides DRP vs. Omnis Advanced vs. Sector average 9
- 11. Our SIPP solution CAERUS/Pointon York 11
- 12. Pointon York’s Experience Over 40 years’ experience • Established in 1971 • Launched our first SIPP in 1990 • Launched our first Corporate SIPP in 2004 • Provide a suite of solutions designed to meet the needs of all customers • Highly specialised knowledge with a skilled team of technical specialists • Strong reputation in commercial property • Specialist in alternative investments • Excellent service reputation • Strong technology with 24/7 secure online access • Awards: Money Marketing E-excellence Best Newcomer Award 2009 ‘Best SIPP Provider’ - Professional Adviser 2008 ‘Best SIPP Provider’ - Shares Magazine 2006 & 2007 12
- 13. CAERUS SIPP Products The new CAERUS SIPP products offer a range of solutions designed to meet the needs all of your customers. Separate Registered Pension Scheme. Allows Scheme Family Trust Pension and open market investment flexibility. Ideal Sophisticated SIPP for families or close business associates with complex Downgrade financial planning needs. Progression Unlimited number of investments as well as complete through our Individual SIPP investment flexibility e.g. Gold, Forestry, Unquoted solutions. Shares, Commercial Property. Treated as an internal investment For use with one asset e.g. a stockbroking account. switch Single Investment SIPP The Sterling Investment Account and Skandia Investment Account can be held in this product. Upgrade For use with the CAERUS Investment Account which Simple SIPP e-SIPP provides access to a range of risk-rated funds and model portfolios. 13
- 14. Charging Pointon York has agreed preferential rates with CAERUS. We are a Retail Distribution Review (RDR) compliant provider which supports Customer Agreed Remuneration (CAR). e-SIPP Single Investment Individual SIPP Type of Charge PY CAERUS PY Standard CAERUS PY Standard CAERUS Standard Pricing Pricing Pricing Pricing Pricing Pricing Establishment Nil Nil £195 Nil £160 Nil Annual £150 £100 £300 £245 £630 £445 For details on all charges please view the relevant fee schedule on the CAERUS microsite. All fees are plus VAT. 14
- 15. SIPP vs. Personal Pension • Since ‘A-Day’ (6th April 2006) – no longer any difference between PP and SIPP - only distinction is between Occupational and Personal Pensions • Difference now down to the rules of the schemes and what the pension providers will allow - so depends upon the investment powers contained in the scheme rules 15
Editor's Notes
- #13: Expand on points. Explain specialist in SIPPs, heritage with bespoke high-end SIPPs, more recently have developed our technology to offer a range of SIPP products to help meet the needs of all customers.
- #14: Seamless upgrade path. Transfer treated as an internal investment ‘switch’, removes high costs associated with transferring to other pension schemes. Family Trust is a separate registered pension scheme so will incur additional costs
- #16: Since A-Day because the investment restrictions were lifted. The Finance Act 2004 does not make a distinction between a PP and a SIPP.Four levels of SIPPs, as discussed in the product slide you can seamless upgrade or change product to suit your clients’ needs. In essence you are only paying for what you use