How Could The Aes Isp Help You ?
ISP is an acronym for Investment Services Platform
. Platforms function in much the same way to internet banking systems, they permit you and your Adviser to
review your investments online, monitor efficiency, view other assets and agree and
deliver on any changes necessary to your financial plans. They permit a substantially better
insight into your overall wealth, making it possible for more in depth management.
The platform by AES, The AES ISP, is the first advisory - led platform for International
Financial Services, and it is helping change the way in which advice is provided.
The Benefits for You
Today's way to invest
A sophisticated online system
A variety of financial alternatives
A means of developing a much better relationship
A review of your investments
Include your existing investments
Add investments from your existing product wrappers
Advisory management
Tracking your investments . . . regardless of whether they are not on the platform
Clear rates
A big selection of Funds/Securities
Clear risk management
The alternatives available through the platform are wide ranging and can be used by our consultants to customise their strategies to your individual criteria. You'll notice different types of products which can make use of the platform, including wrappers and direct investments. Product wrappers include pensions (SIPPs and QROPs) and offshore bonds and investments may be retained and viewed directly on the platform outside of any wrapper. The ISP was designed to increase peoples experience of Financial Services. By making use of modern tools to lower admin burden and provide better information quicker, we can work together to add value to everyone.
It's possible you'll currently receive quite a few statements for your various investments, and find it difficult to keep track of all of them. It could also be difficult to revise or change your investments. That's where the ISP really comes into its own, you will see all your holdings on-line, your Consultant can simply show you how your portfolio has been doing, and
you are able to ask for changes by secure messaging from your account.
You could switch any sort of direct investments you might have with other providers onto the ISP. Without the need to sell and re-purchase, AES can re-register your existing investments thus eliminating any undue difficulties, and ensuring all of your assets will be displayed. The ISP gives your Agent the cabability to recommend you products and investments from a large selection, as well as to suggest a way of paying charges that's best for your needs. The way you pay for advice, investment management and administration must be clear and fit your requirements. Central to the ISP is a wide variety of investment options. Investment options are vital to help your Advisor build a portfolio around your individual requirements. If youre looking for a specific physical location, industry sector or unconventional risk level we have something available to cater for all. All investments experience special risk factors related to the type of investment strategy they follow. Your Adviser will disclose any risks which are unique for your fund selection. Often, your risk type and profile will lead the path into which kind of portfolio is most suitable, and things are usually fine-tuned from there.
Do you need to ditch your With Profits bond?
I speak to quite a few clients who got a With Profits bond in the 1990s. These were popular in the past due to low volatility and good bonus rates. Unfortunately, as the markets have gone down, so too have the bonus rates and many individuals are trapped in a product paying a poor rate. In addition to relatively weak investment performance, investors could be hit by an exit penalty known as a market value reduction (MVR) when they decide to encash their bond. MVRs are generally introduced at times of poor market returns, these MVRs can be taken off or introduced without notice. MVR rates differ from company to company and can be low or high.
Nevertheless, many thousands of with profit savers have got the chance to exit their funds without incurring any penalty charges as long as they act upon a specific date, called an MVR free date. A study by specialist financial site Exitwith-profits.co.uk illustrates that policy clauses known as as 'spot guarantees' can be an invaluable escape for up to 300,000 investors annually. Many policies have MVR free dates where investors are able to get out with a guarantee that the fund value CANNOT be decreased by the insurer. Commonly such dates take place on 10 year anniversaries of investment. With profits policies were sold as low-risk investments, invested in a combination of shares, property, bonds and cash. The theory was that savers would be paid annual bonuses that will be 'smoothed' by holding back a portion of the return in good years, so they can get paid more than they've accumulated in the bad years, thus smoothing out any stock market volatility. However in practice this has not happened and bonus rates have slipped considerably during the last couple of years with falls in returns from equity markets.
by: Forest Hilleary
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