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Avalon Freedom Products
You can choose from one of the widest range of funds through a range of innovative products. Our proposition is ideally aimed at high net worth clients who have advisers wishing to take advantage of access to a wide variety of funds and asset classes. Those who would use an ISA to build a tax free fund and a Portfolio for the balance with funds used from the Portfolio each year to take advantage of the ISA allowance (automatic transfer of funds from Portfolio to ISA is available).
Each individual product is listed below:
- Avalon Freedom ISA
- Avalon Freedom Portfolio
- Avalon Freedom SIPP
- Socially Responsible Portfolios
- Monthly Income Portfolios
- Avalon Junior ISA
The Avalon Freedom ISA offers a level of investment choice that's difficult to match. You can choose from the entire retail fund market place.
- This includes any qualifying retail unit trust, OEIC, investment trust, ETF or direct equity.
- This means, for example, your clients can buy the best UK fund and the best US fund even if they are provided by different fund managers.
Great Value
- We have negotiated substantial discounts with all the leading fund managers. This means that the initial cost of your client's investment is kept to aminimum.
- Low cost switching. We don't charge for switching so all your clients pay is the discounted fund manager's charge when purchasing the new fund. This can often be zero.
More benefits of the Freedom ISA
Tailor your client's portfolio by sector, by manager, by strategy or by a combination of any factors you choose.
- The secure section of our website allows you to keep up to date with your clients' accounts and their valuations, including full transaction and dividend histories and the ability to view back-dated valuations.
- Competitive and transparent charges.
- The sheer convenience of one statement sent to your clientevery six months (and always available on-line), and one point of contact no matter how many funds you choose.
- You can transferexisting stocks and shares or cash ISAs into a Freedom ISA.
- Clients may take an income from their account either by dividend distribution or a fixed sum. The choice is theirs.
Other Details
Why accept anything less?
- The Freedom ISA is a stocks and shares ISA only. (See The Avalon Protected Cash ISA online for details of our exclusive cash ISA)
- Minimum monthly contribution is £80.00 (£40.00 perfund).
- Minimum lump sum is £1,000
The Avalon Freedom Portfolio is a 'wrapper' into which you can place a huge array of different asset types such as unit trusts, OEICs, investment trusts, ETFs, gilts and warrants.
Combine your investment philosophy with our competitive charging and the result is an investment vehicle for your clients offering unrivalled flexibility. You can buy the best global retail funds available whoever the manager.
Great Value
- We have negotiated substantial discounts with the leading fund managers, keeping the cost of purchasing new funds to a minimum.
- Switch funds whenever you want at very little cost. Avalon does not charge for fund switches. Keep up to date with the value of your clients' investments by visiting the secure section of our website.
As the choice is totally open there is no need to compromise, you really can have the best of the best.
More benefits of the Freedom Portfolio
- Competitive charges.
- 6 monthly consolidated valuations and/or 24 hour on-line valuation availability.
- One point of contact no matter how many funds you choose.
- Use the Freedom Portfolio to drip-feed the annual allowance into an ISA.
- Consolidated Tax Certificates produced for Tax Returns purposes.
- Your clientsmay invest in the Freedom Portfolio by lump sum, monthly contribution or in specie transfer.
- May be written in Trust.
An investment vehicle offering unrivalled flexibility.
Other Details
- The Freedom Portfolio is a completely open choice investment product. It has been developed to give your clients maximumflexibility at low cost and ease the administrative burden of their investment.
- Minimum lump sum initial investment is £5,000.00
- Please note your clients cannot subscribe to investment trust shares or equities on a regular monthly basis.
A personal and highly flexible pension plan, the Avalon Freedom SIPP is the ideal way to draw together pension arrangements accumulated over time, as well as continuing to build up further pension assets. Pension assets can be brought together under one roof with far greater control and focus on personal requirements.
Great Value
All new subscriptions received into the plan will receive tax relief at your client's highest marginal rate.
Once established a SIPP can accept capital lump sums and regular contributions (within limits set by the Inland Revenue) and where possible and appropriate, transfers in from other pension arrangements accumulated over time. These include:
- Current and former employer's UK tax approved occupationalpensionschemes.
- Personal pension policies or Protected Rights transfers.
- Retirement annuities.
- Additional voluntary contributions.
- Section 32 buyout plans.
More benefits of the Freedom SIPP
- A choice of charging structure.
- On-line valuation facility and transaction history.
- Free switching (subject to a maximum of 20 transactions per annum).
- Clients may pay monthly, by single subscription or by transfer.
Other Details
Freedom of Investment Choice. With the Avalon Freedom SIPP your clients are free to invest their personal pension contributions the way they want to. Through the Freedom SIPP and subject to Inland Revenue investment restrictions, they can invest in any unit trust, open-ended investment company (OEIC), ETF or investment trust. They may also invest in cash deposits, UK and overseas equities, fixed interest securities and UK commercial property.
They can elect to have their own investment manager who can make all investment decisions for them and act on their behalf, they can consult you, their own financial adviser before providing us with their investment decisions, or they can manage the investment themselves. The choice is theirs.
Socially Responsible Portfolios
Socially Responsible Portfolios will invest in a spread of funds with committed fund managers who follow ethical and environmental criteria. They tend to be more environmental in nature, and may be invested in assets with more positive screening (such as waste management for example). Avalon does not offer fund management so we asked Minerva Fund Managers to create these actively managed portfolios.
Great Value
We can put fund models together to reflect the clients' investment philosophy and risk profile in conjunction with Minerva Fund Managers or any other discretionary fund manager of the Advisers' choice. We already have 5 SOCIALLY RESPONSIBLE fund models and a model specifically constructed to provide clients with a MONTHLY INCOME. See the following links.
- We have negotiated substantial discounts with the leading ethical fund managers, keeping the cost of purchasing new funds to a minimum.
- Minerva monitor and analyse the ‘best of the best' SRI fund models using the best ethical unit trusts, OEICs and investment trusts available. Models will be rebalanced for optimal performance.
More benefits of the Socially Responsible Portfolios
The portfolios below are listed with the highest risk portfolio first. Each Portfolio can hold up to 20% in cash.
Socially Responsible Adventurous Portfolio Long term capital growth to be achieved by investment in a spread of funds with fund managers following ethical and environmental criteria with an emphasis on positive criteria. There is a maximum equity exposure of 100% in this portfolio which could include direct exposure to equities, higher risk unit trusts, and investment trusts.
Socially Responsible Balanced Growth Portfolio Long term capital growth to be achieved by investment in a spread of funds with fund managers following ethical and environmental criteria with an emphasis on positive criteria. The maximum equity exposure is restricted to 85% of this portfolio.
Socially Responsible Balanced Income Portfolio Long term capital income to be achieved by investment in a spread of funds with fund managers following ethical and environmental criteria with an emphasis on positive criteria. The maximum equity exposure is restricted to 60% of the portfolio.
Socially Responsible Conservative Portfolio To achieve positive long term total returns with a lower risk exposure. This is the lowest risk profile portfolio with a maximum of 20% exposure to equities. There is a possibility that returns may not keep pace with inflation. Investments could include gilt and gilt index-linked funds, property funds and corporate bonds funds.
Other Details
Each of the above portfolios can be held within a Freedom ISA, Freedom Portfolio or the Freedom SIPP. To demonstrate our commitment to WaterAid, for every WaterAid Freedom ISA, Freedom Portfolio and Freedom Self Invested Personal Pension application we receive, Avalon will give WaterAid 10% of our annual management fee arising from these products.
If your clients require a regular monthly income the AVALON DISCRETIONARY MONTHLY INCOME PORTFOLIO invests in a range of top quality UK equity income funds and will keep pace with inflation.
Great Value
- We have negotiated substantial discounts with the leading fund managers, keeping the cost of purchasing new funds to a minimum.
- The Portfolio is currently yielding over 5% and is designed to produce a growing income over the long term.
The graph below says it all.
The blue bars show the income you would have received had you invested £1,000 back in 1970 in a Halifax 30 day fixed account. The purple bars show the income you would have received had you invested £1,000 into the M&G Dividend Fund over the same period (Source: Lipper Hindsight).
More benefits of the Monthly Income Portfolio
For a long-term investor seeking income, the benefits of investing in UK equity income funds are self-evident. The Monthly Income Portfolio is an ideal solution for those investors seeking a rising income.
- It is available through Avalon's highly flexible and transparent ISA and Portfolio products.
- Avalon does not offer fund management so we asked Minerva Fund Managers to create some portfolios. As the Monthly Income Portfolio is actively managed it will free up your time. You won't need to regularly monitor your client's investments as it will be done for you by Minerva.
- Income will be paid out from dividends received on a monthly basis or they can be reinvested.
Other Details
To help you promote the Monthly Income Portfolio we'll be happy to assist with a mailing to your clients of our A5 client Monthly Investment Portfolio brochure and we'll refer any subsequent enquiries straight back to you.
***Exclusive to Avalon***
Avalon Junior ISAThe Avalon Junior ISA is a stocks and shares JISA which will provide children with an invaluable kick start to their adult life. By gifting contributions into their JISA, relatives can give young ones a tax free lump sum for when they reach 18 to help them with the growing cost of university fees, their first car or even the deposit for their first home.
- Generally, Junior ISAs are made up of two components, stocks & shares or cash. The Avalon Junior ISA is a stocks and shares JISA which allows you to choose investments from the entire retail market place. This includes any qualifying retail unit trust, OEIC, investment trust, ETF or direct equity.
Great Value
- We have negotiated substantial discounts with all the leading fund managers. This meansthat the initial cost of your client's investment is keptto aminimum.
- Low cost switching. We don't charge for switching so all your clients pay is the discounted fund manager's charge when purchasing the new fund. This can often be zero.
More benefits of the Junior ISA
We can offer a range of ways to invest your client's contributions with a combination of any factors you choose.
- The funds cannot be accessed by anyone other than the child nominated on the application form and only when they reach the age of 18, ensuring the savings remain safely locked away and the potential for savings to grow substantially over their childhood.
- The Junior ISA is a valuable boost to IFAs who can use it to build and establish long term relationships with the young investors of today who will need ongoing advice once they reach adulthood.
- No tax is payable by any subscriber on the income generated by money paid into a JISA even where that income exceeds the £100 limit which applies to gifts from parents.
- The secure section of our website allows you to keep up to date with your clients' accounts and theirvaluations, including full transaction and dividend histories and the ability to view back-dated valuations.
- The sheer convenience of one statement sent to your clientevery six months (and always available on-line), andone point of contact no matter how many funds you choose.
Other Details
- The Avalon Junior ISA is a stocks and shares ISA only.
- Minimum monthly contribution is £40.00 (£10.00 perfund).
- Minimum lump sum is £500
Derek Bradley, CEO
Sarah Paul, Marketing Director
James Bradley, Head of e-Relationships