Under-endowed - needs pepping up: insurers want endowment policies made Pepable. But this latest lobbying should just alert investors to endowments' various shortcomings compared with their Pep competitors

Article Abstract:

Life insurance companies are hoping for a change in the rules that would allow endowwment policies to be held in personal equity plans (Peps). However there are doubts about the success of the lobbying due to various scandals about bad advice and the failure of the Association of British Insurers (ABI) to acknowledge that the government will only give tax breaks to clean investment. Peps are more flexible than endowments, have lower charges and tax advantages.

Life Insurance, Direct Life Insurance Carriers, Insurance industry, Life insurance industry

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Suit yourself - with a made-to-measure Pep

Article Abstract:

UK investors can choose their own personal equity plans (Peps) and changes in regulations allow investors to diversify into preference shares, Eurobonds, debentures and convertibles. Bonds allow limited scope for capital growth, and convertibles allow investors to share in a company's equity growth in addition to offering yields that are superior to those of ordinary shares. Investors can free themselves of restrictions by choosing their own Peps.

United Kingdom, Analysis, Tax planning, Bonds, Bonds (Securities)

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The flexible approach: self-select Peps: in a Self-Select Pep the investor can run his own portfolio - the plan manager provides the stockbroking service, with or without advice, as appropriate

Article Abstract:

Personal Equity Plans (Peps) were launched to encourage direct equity investment through a vehicle which gave returns outside the scope tax. Peps have become increasingly more flexible and are more attractive to personal investors. Self-Select Peps allow investors to choose their own investments including shares, coporate bonds and preference shares, and higher yields can be gained.

Personal credit institutions

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