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● Are
you really independent?
● Do
you charge for a consultation?
● Who
manages my investments?
● How
secure is my investment?
● How
do I pay my premiums?
● What happens if I move?
● What happens If my usual consultant retires?
● Why should I use you instead of my bank?
Are you really independent?
Yes there are no corporate shareholders and therefore Spectrum
advisers
can select products and services from a wide range of financial
institutions,
and monitor their service. Spectrum values its independence
and monitors service
from providers that it uses on a regular basis.
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Do you charge for a consultation?
There is no charge for this and you are under no obligation
to follow any
of our recommendations. In the event that you were to follow
any of the recommendations, commission would be generated
for Spectrum which
in turn is how the consultant is rewarded.
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Who manages my investments?
The funds that are associated with insurance products are
managed by investment professionals. Insurance Companies offer
a broad range of funds, some managed by their own in-house
managers; these are often very broadly diversified funds of
a general nature. Specialist funds, focusing on particular
geographic area or industry, provided by external managers
are also usually available. In all cases the investment decisions
are made to maximise growth potential whilst adhering to the
investment objective and risk profile.
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How secure is my investment?
The assets (stocks, shares, bonds or other financial instruments)
are owned by trustees or nominees on behalf of the insurance
company with which the contract
is arranged. It is unlikely that an insurance company will
fail, nevertheless some jurisdictions offer investor protection
to ensure that policies are protected against corporate failure.
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How do I pay my premiums?
In all cases, the payment is made direct to the institution;
Spectrum does not operate
a client account. Depending on the contract selected, funds
may be transferred by telegraphic transfer, a bankers draft
or standing order. Some insurance companies
are able to collect contributions by credit card.
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What happens if I move?
Spectrum has advisers based within Europe and it may be possible
to continue with
a personal service provided locally. We would maintain contact
with you through the normal methods of communication, including
facsimile and e-mail. Many companies allow access to your
unit statements and other account information, via the internet.
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What happens if my usual consultant retires?
Spectrum has a team of experienced advisers and this will
enable us to continue to provide advice and a high level of
service irrespective of changes
in personnel.
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Why should I use you instead of my bank?
Spectrum recommends a variety of companies that have been
specifically chosen because of their strength in that product
or service. It is unlikely that a bank have such quality in
every aspect of financial product and very often their recommendation
will be for their own products.
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