Are you considering investing in a with profits bond with Aviva ? Have you lately invested in a with profits bonds with them ? If so it is important you read this post to find out how considerably of a bonus is going to be added to your new investment this year. Lately Aviva announced its with profits bonus rates for the year and it has come as no surprise that they have lowered the quantity of bonuses they will add to the various with profit policies due to industry volatility they say. So what does this truly mean for you ? Nicely if you have a with earnings bonds you will only get 2.5% interest added for the year Was that the return you expected when you invested your income I bet not If you have invested in this sort of product then I would recommend you get it checked to see if it has been missold as surrendering the bond early could incur you serious penalties. Dont sit back and hope items will get greater since you know as nicely as me that there is no sight of the credit crunch ending and this can only result in additional stock market volatility in the future which will result in poor with profits returns in the future. Ask yourself an additional question at this point Do you know or had been you advised how considerably of your with profit bonds would be exposed to the stock industry? If not then you seriously want to ask the financial advisor who sold you the product in the first place as they should have disclosed this to you or make contact with Aviva direct and ask them, either way it is much better to uncover as soon as feasible. This is just one of the merchandise Aviva has lowered its bonus rates on for the year and several other folks are also going to see cuts if they have invested in their Stakeholder Pension, Personal pension and endowment policies that had been previously CU or CGNU. If you have any of these policies then the identical applies to you have you been advised properly with your pension or endowment and is your endowment tied to your mortgage? If so you actually need to get the sale of these items checked by a claims management organization with knowledge to make certain you have not been missold your pension or endowment policy. In my opinion the marketplace will not recover brief term and since of this you need to have to be conscious of how your investment operates and not leave it to opportunity thinking it will be ok when it matures specially with profit bonds so go and get your checked these days just before you turn out to be even far more disappointed with the bonus rates subsequent year.
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