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Where are you investing now?

Byline: IAN LOWES

WITH the benefit of 2020 hindsight, it's fair to say that a decision to invest in the stock market at the beginning of this year would have been better deferred a few months.

That said, those that invested in a 10:10 Plan might be somewhat less concerned by their timing, not least because a prolonged recovery could prove relatively much more beneficial for these investors.

The latest Mariana 10:10 Plan should afford similar piece of mind.

There have been over 130 iterations of the 10:10 Plan issued to date. If you haven't yet discovered this investment, stop and take ten minutes to consider Option 2 of the latest issue by reference to how other investments might perform in various market conditions: 10:10 AUGUST 2020 - OPTION 2: | Designed to mature on second anniversary, returning original capital plus a gain of 17.5% (PS1,750 per PS10,000 invested) - if the FTSE 100 is above the August 14, 2020 closing level.

| If not, it will mature on third, or subsequent anniversary when the FTSE is above that level, adding a further 8.75% (PS875 per PS10,000 invested) potential gain for each year.

| The maximum term is ten years and if it has not matured by then and the FTSE is more than 30% lower, invested capital will be reduced by that percentage i.e. if the FTSE falls, does not recover and is half the August 14, 2020 level on August 14, 2030 only PS5,000 per PS10,000 invested will be returned; | Returns and return of capital dependent upon the continued solvency of Goldman Sachs (A+ rated by Standard & Poor's).

OPTIONS 1 & 3 are variations on the theme, offering potential returns for each year held of 7% and 10% respectively. | Minimum investment PS10,000 - Capital at risk; | Investable as an ISA / ISA transfer, Individual, Joint, SIPP, Trust, Corporate, Partnership; | Individual / joint gains taxable only if annual gains from all sources exceed PS12,300; | Can be surrendered from month one but penalties and loss will result; | Can be gifted, bequeathed, and transferred under probate.

If your financial adviser does not know about the 10:10 Plan, talk to a truly independent one instead. The 10:10 Plan was created in co-operation with Lowes Financial Management almost five years ago and whilst Lowes does have a commercial interest in the proposition, it will not receive any share of the embedded fees in respect of transactions made by Lowes clients, with any such fees instead being directed to UK registered charities.

Contact Lowes Financial Management for a free initial consultation to discuss the 10:10 Plan and the many other investments like it that have helped Lowes clients prosper over the decades.

To book a free initial consultation with a Lowes Consultant: Call: 0191 281 8811 Visit: Lowes.co.uk Email: enquiry@Lowes.co.uk Capital at risk. Tax treatment and allowances are of course subject to change.

Lowes Financial Management, Fernwood House, Clayton Road, Jesmond, NE2 1TL. Authorised and regulated by the Financial Conduct Authority.

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Title Annotation:Business
Author:IAN LOWES
Publication:The Journal (Newcastle, England)
Date:Jul 11, 2020
Words:510
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