Stock-taking time for the Pep phenomenon

Article Abstract:

Personal equity plans (PEPs), which were introduced in the UK in 1986, have done little to encourage direct investment in equities. However, they have been extremely successful in allowing the unit trust business to reinvent itself. PEPs have played a key role in changing the personal finance business as a whole, and have had a positive net impact for many ordinary investors. The great success of PEPs shows how most people prefer simplicity in relation to savings.

Financial management, Column

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Risks no longer worth taking

Article Abstract:

Those who wish to benefit from safe investments in retirement should avoid holding individual shares, as this can bring a high level of risk. It is better to diversify through unit trusts or investment trusts. It is important to hold some money in a building society account, and National Savings is also a very safe investment. Other savings should be split between unit trusts, Personal Equity Plans, insurance products and the with profit bond.

Financial analysis, Finance, Retirees

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