gu1 21 29.docx

gu1 21 29.docx

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2.3suggestionsforimprovements

AccordingtotheFlynns'needsandcondition,allfinancialproductionshouldbeinlowrisks,stablereturnandhighervalue-added,thatthesesuggestionswouldsatisfyrequirement.

2.3.1SavingProduction

Nameofproduction

ISA

ChildBond

ChildTrustFund

For

Thecouple

Thetwoolderkids

Theyoungestone

Thereasonofchoice

ISAhaslowerinitialpaymentof₤1,and,thestablereturnsandlowerrisksappropriatefortheFlynns'condition

ChildBondhashigherreturnanditislesstax

Thesefundshavestablereturnsandlowerrisks.Furthermoreproductionisregulatedbygovernmentonsharesandstockermarketthatcouldreduceminimumrisks

Themostadvantagefeatures

Themostimportantisthattheseproductsaretotallytax-free

Themostadvantageoftheproductisthefreepersonalincometaxandcapitalgainstax

Thedistinguishfeaturesofthisproductionisthatthegovernmentwouldsendvoucherforcustomers’investment.

Benefits

Duetoamountofdeposit,theAERisaroundat1%to4.4%thatcouldmaintainvalueofincomeandfoughtagainstthehigherpersonalincometax

Thereturnfromchildbondwouldhelptheirpayforfurthereducation.

Theseincomescouldsupportthekidforhisfurthereducation.

2.3.2MortgageProduct

Nameofproduction

PersonalLoans

Remortgage

For

₤300000ofextension

₤450000ofcurrentmortgage

AveragerangeofAPR

Duetotheperiodofloanterm,longertimewithhigherAPR.Andtheamountofmortgagealsoaffectstherate,normally,moretohigher.Theinterestrateofcustomer’sloanispersonaltothemselves.Itisbetween5%to18%.

Duetotheperiodofmortgage,longertimewithhigherAPR.Andtheamountofmortgagealsoaffectstherate,normally,moretohigher.2.5%to5.99%

Reasonofchoice

Loansarearelativelyfastwaytoobtainfundsforaspecialpurchaseorproject,andevenlargeamountscanbeborrowedforalmostanypurpose.Theyaresuitableforexpensivepurchasesthatrequireimmediatepayment,allowingcustomerstospreadthecostofthepurchaseandmanagecustomers’shorttermfinancesmoreeasily,especiallyifcustomers’loanhasafixedinterestrate.

Remortgagingneedn'tonlyoccurwhencustomers’mortgagetermcomestoanend,sothat,itissuitfortheFlynns'currentcondition.Andtheproductionalwayshavebetterrate.

Benefits

TheLoanswouldbethebestproductionfortheFlynnsonthefeesofhouseextensionwithoutanydeposits.ThelowerAPRwouldsuitthem.

TheremortgagewouldbethebestproductionfortheFlynnsonthefeesofhouseextensionwithoutanydeposits.ThelowerAPRwouldsuitthem.

2.3.3Protection

Nameofproduction

Reasonofchoice

Additionalbenefits

HomeInsurance

Itiscoveragainstlossordamage.

Costsforarchitects'™andsurveyors'feesfollowingdamagetothebuildingsbyaninsuredeventuptothesuminsured,thatisreallyusefulconditionforthehomeextension.

Itisalsocoverthehomecontentsagainstdamageinconstructionperiod.

Thisprotectionalsoprovidesadditionalcompensationinperiodofweddingandfestivals.

LifeAssurance

Coveriscommonlyusedforprotectionfamilymembers.Ifinsureddieduringtheplanterm,thenthepolicyproducesataxfreelumpsumfortheirdependence.

Theseproductionscouldhelpfamilymemberstopayforthemortgage,whenanyworsthappensoninsured.

IncomeProtection

TheseproductionhelpmaintaintheFlynnslifestylebyprovidingthemwithamonthlyincomeifAlexandercan'tworkforaperiodoftimeduetoanaccidentorlong-termillnessduringthetermofthecover

Incomeprotectioninsurancedoesnotonlycovermortgagepayments,itcanalsobeusedtosafeguardrentpayments,utilityandcounciltaxbillsorevenmonthlyfoodcosts.

Pensionannuity

TohelpAlexandersaveforretirementinatax-efficientway.

paymentsareflexible,subjecttominimumamounts

Pensioncansupportthestableincomewhenthecoupleretire

Itdoesn’tpaycapitalgainstaxonpensionfundsthatisatax-avoidanceproduction.

2.4LikelyProviders

Eachfinancialproductionhasthreeprovidertocompare.

2.4.1Saving

Nameofproducts

Providers

Thereasonofchoice

ISA

HSBCBankplc

HSBCisoneofthelargestbankingandfinancialservicesorganizationsintheworld,anditprovidesacomprehensiverangeoffinancialservicestoaround95millioncustomersthroughfourcustomergroupsandglobalbusinesses.Ithaspowerfulsavingserviceandamplyofexperienceonsuchproduction.DifferentkindsofISAserviceletcustomerstocompareeachother.

BarclaysBankplc

Barclaysprovidesfinancialservicestomorethan48millioncustomersinover50countriesworldwide.Asaresponsibleglobalcitizen,Barclaysiscommittedtoensuringthesustainabilityofthecommunitiesinwhichthebusinessoperates,andstrivesforsustainablerelationshipswithcustomersandclientsworldwide.Barclaysofferspersonalbankingservicestocustomersin20keycountriesaroundtheworld,andprovidescreditcardfacilitiesthroughBarclaycardtomanymore.

Productsandservicesforpersonalcustomersinclude:

Bankaccounts,fromentry-levelthroughtopremieroptions，ArangeofcreditcardsthroughBarclaycard，Savingsaccounts，Loans，Insurance，Onlinebanking，MortgagesthroughWoolwich.

BankofScotland

BankofScotland,whichisthefifthlargestintheUKintermsofmarketcapitalization,offermortgages,savings,ISAs,bankaccounts,creditcards,loans,investments,insurance&more.

ChildBond

YorkshireBankplc

YorkshireBankhas188retailbranches,astrongpersonalcustomerbaseandanexpandingbusinessbankingcapabilitythroughaUK-widenetworkof72FinancialSolutionsCenters.ActivitiesofYorkshireBankplcaresavinginvestment.

ClydesdaleBankplc

ClydesdaleBankhasaproudhistoryofinnovationandsupportforScottishindustryandcommunities.ThebankisnowamemberofNationalAustraliaBankGroup（opensinnewwindow）,whichhasover7.7millioncustomersinternationally.Thisgroupallow

thebanksupportcomprehensivelong-termsavingservice.

NatWestplc

NatWestisamemberoftheRoyalBankofScotlandGroupwhichistheworld'slargestfinancialservicesgroups.Thestablereturnsfromsavinginvestmentistheirkeyfeature.

ChildTrustFund

TheChildren'sMutualplc

ChildrenMutualhaveover125yearsexperienceofhelpingpeopleprovidefortheirfamiliesanditprovidespecialistinlong-termsavingsforchildren.

FamilyInvestmentsplc

FamilyInvestmentshave35yearsexperiencehelpingapproximately1.7million*peopleintheUKinvestinfinancialproductofchildren

HanleyEconomicBuildingSociety

HanleyEconomicBuildingSociety'saimistocombinethetraditionsandrootsofamatureorganizationwiththeverveandefficiencyofamodernbusiness,byoperatingasasuccessfulmutualorganizationwithhighqualitycustomerserviceatitscore.

2.4.2Mortgage

Nameofproduct

Providers

Thereasonofchoice

Re-mortgage

HSBCBankplc

HSBChasbestfinancialsystemtoprovidesuchmortgage.AndtherateofHSBCisalwaysinaveragewhichisthemostsafety

BritanniaBankplc

BritanniamergedwithTheCo-operativeFinancialServiceswhosepurposeistobeapioneeringbusinessdeliveringsustainablefinancialservicesformembersandsociety.Theyarefinanciallyprudentandstrong.

OceanFinance&mortgageLtd

OceanMortgagesarededicatedtoprovidingcustomerswithamortgagethatmatchestheirneedswhilstgivingcustomeranhonest,fairandefficientservice.

PersonalLoans

FirstdirectInternetBanking

FirstDirecthaswide-rangeserviceandtheyofferinnovation,customersatisfactionandgreatproducts.Thisbankconcentratesonsaving,loans,andmortgageproducts.

LloydsTSBBankplc

LloydsTSBBankplchavestrengthsandproductsfrombothcompanies-includingLloydsTSB’sprudentapproachtoriskandHBOS’sleadingsavings,mortgage,loan,andbancassurancebusinesses.

AAALoansLtd

AAALoansofferawiderangeofUKPersonalLoans,whichcanbeusedforanypurposefromSelfEmployed,PersonalSecuredLoans,Unsecured,andCarDebtConsolidations.

2.4.3Protection

NameofProduction

Providers

Thereasonofchoice

HomeProtection

AXASunLifeServiceplc

withahistorystretchingbacktothe18thCentury,AXAisbetterpreparedforthefuturethaneverbefore.
Followingthedisposalofitstraditionallifeandpensions,protectionandgrouppensionsbusiness,AXAUKnowhasaclearfocusonthreekeyareasofgrowth:

Wealthmanagement

Insurance

Healthcare

Prudentialplc

Establishedin1848,todayPrudentialplcisaninternationalfinancialservicescompanywithaproductrangeincludingpersonalbanking,insurance,pensionsandretailinvestments,institutionalfundmanagementandpropertyinvestments

Co-operativeInsurance

TheCo-operativeInsuranceoffersavarietyofinsuranceproductsandTheCo-operativeInvestmentsoffersproductsincludingunittrusts,investmentbondsandpensions.

LifeAssurance

LiverpoolVictoralLimited

AstheUK'slargestfriendlysocietywe'reheretohelpcustomersmakethebestchoiceswhenitcomestocustomers’money.Witharangeofsavings,investments andinsurance productsthatarebothgoodvalueandaward-winning.

StandardLifeAssuranceLimited

StandardLifeAssuranceLimitedbeenaroundsince1825,andtodaytheyprovideprimarilylifeassurance.

ScottishWidowsBankplc

ScottishWidows.ThebestlovedbrandintheProtection,PensionsandInvestmentsmarkets.

IncomeProtection

AntInsuranceLtd

AntInsurancetradeonarrangementgeneralinsurancecontracts,andtheyworkedexclusivelywithanewunderwritertocreateanIncomeProtectionInsurance（ASU）policythatprov