IFA Case Studies

 

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FLEXIBLE TAX EFFICIENT PLANS as at August 07

 

CASE STUDY A

 

Clients X and Y, both 54 years old, are retired with a joint gross annual income of £24,000. They have consistently used up their Annual Maxi ISA allowances by investing £7,000 per annum since 2002.

 

Client X:

 

Total Contributions since inception	£33,630
Current Fund Value	£49,080**
Total Return on investment	45.94%**

 

Client Y:

 

Total Contributions since inception	£47,850
Current Fund Value	£97,790**
Total Return on investment	104.37%**

 

Both the clients have been fairly cautious with a risk profile of 2-3 for their investments. Client Y made bigger returns as more funds were invested at the beginning.

 

CASE STUDY B

 

Clients A, 35 years old, has a gross annual income of £42,000. Client A has a medium attitude to risk with investments in funds with risk ranging between 2-5*.

 

Client A arranged a regular Mini ISA plan in October 2003 starting with regular monthly contributions of £200 and moving up to £250 per month from the start of 2005.

 

Total Contributions since inception	£10,950
Current Fund Value	£14,820**
Total Return on investment	35.34%**

 

 

CASE STUDY C

 

Client B, 31 years old, has a gross annual income of £36,000. Client B has a medium attitude to risk with investment in funds with risk ranging between 2-5*.

 

Client B has been contributing £50 per month into a Mini ISA and has made small lump sum payments when it was affordable. The plan was started in mid 2002. Client B recently made an investment of £8,900 and increased his regular contributions to £100 per month.

 

Total Contributions since inception	£14,600
Current Fund Value	£18,810**
Total Return on investment	28.84%**
Total contributions minus the recent investment	£5,700
Current Fund Value minus the recent investment	£10,355**
Total Return minus the recent investment	81.67%**

 

 
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* Risk is between 1-5, where 1 is cautious and 5 is high risk.
** The figures for current fund values and total return include Initial charges which are 3.00-5.00%, Annual Management charges which are 1.25-1.75% and Switching charges which are typically 0.25%.