6. Dynamic Rebalanced Portfolios –
Simple Objectives
• Four risk-rated Funds
• Aligned to CAERUS Risk Profiles 3/4, 5/6, 7/8 and 9/10
• Actively managed by Evercore Pan-Asset
• Multi-asset passive portfolios
• Market leading from a cost perspective - 0.25% AMC
• Investing in a portfolio of index tracking fund and Exchange
Traded Funds (ETFs)
• Rebalanced daily as required
• Underlying Asset Allocation model reviewed quarterly
12. Pointon York’s Experience
Over 40 years’ experience
• Established in 1971
• Launched our first SIPP in 1990
• Launched our first Corporate SIPP in 2004
• Provide a suite of solutions designed to meet the needs of all customers
• Highly specialised knowledge with a skilled team of technical specialists
• Strong reputation in commercial property
• Specialist in alternative investments
• Excellent service reputation
• Strong technology with 24/7 secure online access
• Awards: Money Marketing E-excellence Best Newcomer Award 2009
‘Best SIPP Provider’ - Professional Adviser 2008
‘Best SIPP Provider’ - Shares Magazine 2006 & 2007
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13. CAERUS SIPP Products
The new CAERUS SIPP products offer a range of solutions designed to meet the needs all of your customers.
Separate Registered Pension Scheme. Allows Scheme
Family Trust Pension and open market investment flexibility. Ideal
Sophisticated SIPP for families or close business associates with complex
Downgrade
financial planning needs.
Progression Unlimited number of investments as well as complete
through our Individual SIPP investment flexibility e.g. Gold, Forestry, Unquoted
solutions. Shares, Commercial Property.
Treated as an
internal
investment For use with one asset e.g. a stockbroking account.
switch
Single Investment SIPP The Sterling Investment Account and Skandia
Investment Account can be held in this product.
Upgrade
For use with the CAERUS Investment Account which
Simple SIPP e-SIPP provides access to a range of risk-rated funds and
model portfolios.
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14. Charging
Pointon York has agreed preferential rates with CAERUS. We are a Retail Distribution
Review (RDR) compliant provider which supports Customer Agreed Remuneration (CAR).
e-SIPP Single Investment Individual SIPP
Type of Charge PY CAERUS PY Standard CAERUS PY Standard CAERUS
Standard Pricing Pricing Pricing Pricing Pricing
Pricing
Establishment Nil Nil £195 Nil £160 Nil
Annual £150 £100 £300 £245 £630 £445
For details on all charges please view the relevant fee schedule on the
CAERUS microsite. All fees are plus VAT.
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15. SIPP vs. Personal Pension
• Since ‘A-Day’ (6th April 2006) – no longer any difference between PP and SIPP -
only distinction is between Occupational and Personal Pensions
• Difference now down to the rules of the schemes and what the pension
providers will allow - so depends upon the investment powers contained in the
scheme rules
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Editor's Notes
Expand on points. Explain specialist in SIPPs, heritage with bespoke high-end SIPPs, more recently have developed our technology to offer a range of SIPP products to help meet the needs of all customers.
Seamless upgrade path. Transfer treated as an internal investment ‘switch’, removes high costs associated with transferring to other pension schemes. Family Trust is a separate registered pension scheme so will incur additional costs
Since A-Day because the investment restrictions were lifted. The Finance Act 2004 does not make a distinction between a PP and a SIPP.Four levels of SIPPs, as discussed in the product slide you can seamless upgrade or change product to suit your clients’ needs. In essence you are only paying for what you use
