Protected Portfolio Investment

If you want to enjoy growth when times are good with the added reassurance that your capital is protected against any downturn, then our Protected Portfolio Investment may suit you.

There is a window of time in which you can invest in the Protected Portfolio Investment. Speak to your financial adviser to find out more.

Benefits

• Our Protected Portfolio Investment is designed to allow growth should markets rise, with a safety net of up to 100% capital protection at the end of the investment term, should markets fall.

You have:

• the ability to protect some, or all, of your original investment

• access to the performance of a portfolio of five leading funds

• a flexible range of investment options so you can tailor your investment to meet your personal needs.

The advantages of linking returns to a portfolio of funds rather than the FTSE100 include:

• active management

• spread of investment risk

• benefits of reinvested dividends.

Risks

• This is not a guaranteed investment.

• Your protection is not guaranteed as this depends on third parties meeting their obligations. In the event that any of the Plan Investments or institutions issuing the underlying asset or contracts fail to meet their obligations for any reason, the investment will not be able to pay out the expected amounts.

• The capital protection only applies if you leave your money invested for the full five and a half year term. If you encash your investment early, you may experience some loss of capital or investment return.

• Tax rules can change at any time, which may affect your investment.

• The reference funds can go down as well as up, and investment growth cannot be guaranteed.

• If you are transferring your existing investments, you could incur a loss of income or growth, depending on market conditions.

Who is eligible?

• UK residents, aged 18 and over.

Minimum and maximum subscriptions

• Minimum lump sum: £3,000 (no maximum).

Term

• The Protected Portfolio Investment has a five and a half year term. You must keep your money invested until this date for the protection to apply.

Morgan Stanley & Co. International Limited is the Plan Manager for the Protected Portfolio Investment.

This web page is only intended as a general introduction to the Skandia Protected Portfolio Investment. Full details can be found in our Key Features document available from your financial adviser.

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