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We offer a wide range of discretionary programmes providing diversified, core portfolios across asset classes and investment styles. We make use of screened institutional-quality managers, mutual funds, exchange traded funds ETFs and hedge funds. Pre-defined, thematic and customised strategies can be made available depending on your investment and asset-allocation objectives.

It is important to note that the capital value of, and income from, any investment may go down as well as up and you may not get back the full amount invested. Your discretionary portfolio will draw from a broad range of investment solutions giving you access to markets and opportunities around the world. The investment is subject to normal market fluctuations and there can be no assurance that an investment will return its value or that appreciation will occur Liquidity constraints where subscriptions and redemptions are not available daily, or where lockups apply, mean that investors are subject to market risk during interim pricing periods and may not be able to access funds on short notice There is a greater risk associated with emerging markets.

Liquidity may be less reliable and price volatility may be higher than that experienced in more developed economies. This may result in the fund suffering sudden and large falls in value Funds with a single sector focus will typically be more volatile than funds which invest broadly across markets Funds with a single country focus will typically be more volatile than funds which invest broadly across markets and geographies Region-specific funds have a limited investment scope and are susceptible to a decline in the region in which they invest.

Therefore, these funds may be more risky than those which invest more broadly across markets and geographies Countries where political leadership is either unstable or where it exerts a very strong influence on markets and business practices may be subject to greater volatility. Political risk may include potential for currency controls which would disrupt efficient financial markets Limited transparency is typically a feature of both hedge funds and funds of funds. Where the reference currency is different from the reporting currency, foreign exchange movements will directly impact the value of the holdings.

Currency will indirectly impact the value of the underlying investments as foreign exchange movements strongly influence the market economy and the competitiveness of both domestic and international companies. Funds which try to hedge to a reference currency can mitigate the direct impact of currency movements but cannot completely isolate the indirect effects of foreign exchange movements Where investment decisions are made by an individual or a very small team, the potential loss of any one individual represents a significant risk to the ongoing viability of the fund Passive Index funds are designed to track the reference index before fees and expenses.

However, these funds may deviate from the index depending on several factors including: how fully the fund replicates the index, if the makeup of the index changes and if dividends are not fully captured Smaller Company Risk — Small companies may be less liquid than larger companies and therefore price movements in securities of smaller companies may be more volatile and involve greater risk.

The information on this site refers to services or products which are not available in certain locations, or which, in any relevant location, may have components, methods, structures and terms different from the ones described, as well as restrictions on client eligibility. Please contact a Relationship Manager for details of services and products that may be available to you. Unless specifically stated otherwise, nothing here is to be deemed an offer, solicitation, endorsement, or recommendation to buy or sell any general or specific product, service or security and should not be considered to constitute investment advice.

This information is entirely qualified by reference to the terms and conditions of the specific service, if any, provided by the relevant HSBC company. Before proceeding, please refer to the full disclaimer and the Terms and Conditions. He is looking for a customized solution which ensures that in an event he is not around, the family's immediate needs are met and in the meantime his dream for providing a corpus to his daughter is also met.

For instance, a customer aged 5 years age last birthday , cannot opt for a Policy Term of 10 years under Cover Option 1 as the age at maturity in this case will be 15 years, which is lower than the minimum maturity age requirement of 18 years. These include, first of all, tax benefit on the premium paid towards a ULIP. The next tax benefit is in the form of tax savings on the withdrawals made or the amount you receive as a part of the policy, whether it is the maturity benefit received at the culmination of the plan or death benefit received by the beneficiary upon the death of the policyholder or a partial withdrawal during the term of the plan.

All such receipts are tax-free in the hands of the receiver. The plan also allows for partial withdrawals, so that you can tend to any liquidity requirements or emergencies that strike. You can make these partial withdrawals in multiples of s, 6th policy year onwards, provided all due premiums for first 5 policy years have been paid. These partial withdrawals made without completely surrendering the whole plan, are also completely tax-free. Apart from these, the ULIP plans tax benefits also extend to their exemption from the Long-term capital gains tax.

Often referred to as the LTCG tax for short, this tax provides for the taxation of the profits made through long-term investments. A lock-in period is, as the name suggests, the period during which you are locked into the ULIP scheme. During this period, as you are not able to make withdrawals. In the case of Invest 4G ULIPs, the lock-in period is 5 consecutive policy years from the date of commencement of policy during which no benefits will be payable, except in case of death of the life assured.

In , the lock-in period was extended from 3 years to 5 years, including top-up premiums. This increase was brought in to signify that ULIPs are meant to serve the purpose of long-term investment goals. If you surrender or discontinue the ULIP during this 5-year stipulated period, you will receive no liquidity or payout at the end of 5th policy year only. Withdrawals are allowed after the end of the lock-in. As is clear, it is advisable to stay invested in your Unit Linked Insurance Plan for longer durations to be able to reap the benefits.

Sometimes emergency strikes and there is a need for liquid funds. It is understandable that you might want to draw into your investments. For this purpose, you are allowed to make partial withdrawals without having to completely surrender it. Partial withdrawals are allowed from the 6th year, i.

You are allowed to take a minimum amount of Rs. You can make as many partial withdrawals as needed in a policy year, subject to the above conditions, free of charge. In fact, if you have chosen Life Option with Premium Funding Benefits, then the amount of your death benefit is not reduced by the partial withdrawals made by you. However, if you wish to surrender your investment in the Invest 4G Unit Linked Insurance Plan, then it is treated differently.

The proceeds of the discontinued policy will be paid to you only after completion of the 5th policy year. On the other hand, if you surrender after the 5-year lock-in period, the fund value will be paid to you immediately without any surrender charges or penalty. By definition, a maturity benefit refers to a lump-sum amount that the insurance company pays you upon the maturity of the insurance policy, i.

The Invest 4G policy matures at the end of the policy term as chosen by you at inception. You will receive an amount equivalent to the Fund Value which is calculated on the basis of the prevailing NAVs Net Asset Value multiplied by number of units at maturity. Once you receive this fund value, all the benefits in policy gets terminated. Under this plan, the minimum sum assured is Rs 5 lakhs. Here is the sum assured paid as maturity benefit in case the life assured is below 45 years of age: higher of either a 10 times the annualized premium or b 0.

If the life assured is 45 years of age or above, the sum assured is higher of either a 10 times the annualized premium or b 0. Apart from this, the Invest 4G Plan also provides fund value related Loyalty Additions from the end of every 5th policy year starting from the commencement of the Policy i. Death benefits imply that in the case of the unfortunate death of the life assured during the term of the policy, death benefits are paid to the beneficiary or nominee or the claimant as per the policy documents.

What is the quantum of death benefits paid depends on the option chosen by the life assured under the scheme. There are three benefit options. The first is Life Option. Besides this, the Fund Value is paid when it reaches maturity and all future premiums are paid for by the insurer as and when due. The third option is the Whole of Life Option. Check Premium. Invest 4G Plan.

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New Customers only; Min. If you're a UK player looking for a betting site that can make the difference to your betting then you've found it right here. The United Kingdom is the home of established sports betting and licensed gambling, with over a hundred years of history and experience. Tried and tested, the UK betting websites are often at the forefront of the industry. That means UK betting sites often have more to offer than other betting websites elsewhere in the world and often have it before anyone else.

Some of the biggest and arguably the best betting websites in the world were either established in Britain or still call Britain their home today. Whether seasoned online operators or traditional brick and mortar bookies turned digital, Britain still boasts a number of excellent online bookmakers.

Since the birth of the online betting industry at the turn of the millenium much has changed. Never has there been a greater choice of options when it comes to online betting, never has there been such massive competition to attract new players. At BetBlazers we only list betting sites we believe in.

We provide a comprehensive listed of not only the most trusted betting sites, but also those that we believe offer a stellar service to potential players and members of our betting community. One major benefit of signing up to a betting site is to take advantage of the welcome bonuses and sign up offers a betting site will offer new customers.

Due to the fact that competition is so fierce, betting sites need to ensure they stand out from the pack. One of the ways in which they do this is to offer a welcome bonus or sign up offer. The best betting sites will offer new customers a welcome bonus or sign up offer either immediately when you register a new account, or at the point you make your first deposit.

The most common betting bonuses are free bets, a deposit bonus, and enhanced odds offers. Free bets basically work on the premise that betting companies credit your new account with an amount of funds in order to place bets free of charge. If you use the free bet and win, then you get to keep the winnings minus the original sum that the betting company gave you to place the bet.

Visit our free bets guide below to find out more about how free bets work, why free bets are one of the most lucrative betting sites offers around, and how they work in practice. Another common form of betting sites bonus is known as a deposit bonus, usually offered in conjunction with signing up for a new betting account. How it works? This list type of offer is usually triggered when new customers deposit money into their account, usually as a new player.

Usually issued in connection with a particular match or sports event the standard odds will be enhanced or boosted so that they're higher than usually advertised. This is a common type of offer or bonus given out by betting companies to both new and existing customers so keep on the lookout! With so much choice on offer, it's not hard to find a betting site tailored specifically to your tastes. The only problem is wading through so many betting websites that make up the online betting landscape today.

We've identified six key points you should consider if you really want to choose a betting that's best for you. As the world's most popular sport, football fans will be happy to know that the range of choice for football betting sites is simply massive. You're definitely not spoilt for choice. Any betting site worth its salt will have the Premier League at the forefront of its sportsbook. That being said we're here to narrow it down and pinpoint exactly what you need to be looking for when it comes to wading through the best betting sites for football.

If you've already heard of 22Bet then you're definitely ahead of the curve. We rate 22Bet as one of the freshest and fully stocked football betting sites out there right now. A betting company on the rise, complete with UK licence, their reputation as a top betting site for football is about to blow through the roof. Only the best betting sites for football offer their customers good value when it comes to the odds on offer.

One of the key things that goes into a solid football betting site are the range of available markets. Betting on football is big business for betting companies and now the competition is so high that only the best betting sites for football offer a range of features for their customers. One of the absolute musts for any potential football punter is live betting and live streaming.

Choose a football betting site where you can follow the game with a live stream, live stats and in-play markets. Make sure that you choose a football betting site with a great sign-up offer or sports welcome bonus. Make sure to consult our full guide to betting bonuses.

Online betting, namely sports betting has never been bigger than right now. Many online bookmakers are consistently looking to expand their sportsbook to offer some better their competitor. When it comes to choosing sports betting sites you want to ask yourself exactly what you're after. There's no point in picking a betting site that doesn't offer or give you great coverage on the sports you want to bet on! Go to our recommended betting sites list anywhere on this page and have a browse of their interface, their odds and what they have to offer.

When you sign up for a betting site make sure you meet the requirements to claim their sign up offer or you could miss out! Once you've made a decision and claimed the bonus it's good to try that betting site out before you sign up for another! If you're not satisfied or you just want some variety then come back and repeat the steps all over again!

Bet is largely held to be the benchmark for sports betting. A great start if you're a beginner and a must have if you're an experienced sports bettor. Perhaps the widest selection of odds anywhere in the world they're coverage is second to none. Betfair have long been one of the big players when it comes to sports betting. Bet builders, odds boosts and stat bets are just some of what awaits you if it's American sports you're looking for.

What really makes a "new betting site"? The UK has often been at the forefront of the gambling industry, home to the most well established bookmakers with a history dating back over a hundred years - think of Ladbrokes, and William Hill. The first online bookmakers sprang up from bases in the UK at the of the 21st century, the likes of Betfair and Bet bursting onto the scene and still dominating the online UK betting industry.

Now there are a whole host of new betting sites and online bookmakers that have followed in their wake in recent years that have a lot to offer UK players. In general we would say that a new betting site can be defined by the following:.

The old, the established, the big boys, the recognisable brands can offer any player a well rounded and an altogether excellent online betting experience. Sometimes it's good to have something extra special in play and that's often where new betting sites come into the picture. There are many reasons to avoid the obvious and go with a new betting site that might just be able to offer you something that little bit different.

Intense competition means they often have to push harder for your business and offer much more lucrative lucrative betting offers. Can new betting sites overall compete with bigger betting sites? Not usually but they often excel at particular sports, odds markets or even in the payment methods they can offer customers.

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