Product Features | Investor Benefits |
| Product choice | Two options:
· Whole of Life
· Capital Redemption |
| Asset choice | Reserve is available as
· Personalised Assets version
· Collective Investments version |
| Share/Asset choice | Shares can be accepted as part of the original or subsequent premiums. We will sell the shares and invest the proceeds in your portfolio. Shares or collective assets can be re-registered in the name of Friends Provident International Limited, retaining the value within your portfolio. |
| Charging choice | Reserve has no pre-set charging structure. Instead, each investor is given a Personalised Charging Structure. This reflects the unique set of charges which the investor has selected from the options made available in the charges menu. |
| Management choice | Reserve is available on a discretionary-managed or non-discretionary managed basis. |
| Currency choice | Investors can pay investments in any freely convertible currency. Valuations can be given in Sterling, US Dollars, Euro, Hong Kong Dollars or Swedish Krona. |
| Minimum investment | Whole of Life - GBP50,000 (or currency equivalent).
Capital redemption - GBP100,000 (or currency equivalent). |
| Withdrawals | Regular withdrawals may be taken. The minimum withdrawal amount is GBP1,000 and withdrawals incur no Surrender Penalty. |
| Whole of life | One or more lives assured, up to a maximum of six. |
| Capital redemption | No lives assured - Reserve has a 99 year term plus a Guaranteed Maturity Value. |