Welcome to the Ethical Investments area of our site. In this area
you'll
find information about ethical investments and associated topics.
The
information you will find here is not intended to be used as financial
advice. If you can't find the answers to your specific question
please contact us with
your question directly or to arrange an appointment to discuss
your personal circumstances.
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| There are now over 80 different ethical funds available,
ranging from unit trust and open-ended investment companies,
through life assurance funds to pension funds. (Source: Moneyfacts
June 2000). Within this wide range of possibilities there are
also ethical ISAs, regular savings plans, investment trusts
and investment bonds. |
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| Not sure why you might consider ethical investments? Click
here for answers and help. |
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| Turning professional jargon into plain English. |
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| Competitively priced share dealing on an execution-only basis. |
Ethical funds are intended as medium to long term investments (usually
considered to be five years or more). Because they are equity-based,
they are dependent on stock market movements. It also means your
capital is not usually guaranteed to be safe and so you may lose
some or all of it.
If the investment is a unit-linked one, its value
can reduce in direct relation to the stock market prices of its underlying
assets,
although it can also rise. This means you may not get back all
the money you invested. If it is a with-profit arrangement, there
is not the same direct link between the underlying assets and the
value of your policy. This is because the insurance company holds
back some profit from good years to offset losses in poor ones
- this is referred to as smoothing. The provider cannot withdraw
any reversionary
bonuses declared, although your early withdrawal may result in
a Market Value Adjustment - effectively a financial ‘penalty'.
Hedgelands Financial Services Ltd, Hedgelands, Abbotskerswell, Newton
Abbot, TQ12 5PW
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Telephone
0845
165 1280
General Insurance
0845 165 1281
Fax
01626 332622
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