P543 Teletext 543 Nov 0 03:44:55 —— DE+PERATELZ SEEKING INCOME! ———————— Dear Teletext, I need incom not capital growth and am rather concerned about the current behaviour of the FT-SE 100! Is now the time to opt back into the safety of 90-day accounts, bonds and other "safer" products? Name & addresv supplied. ——————————————————————————————————1/8—— Got a question for our Advice Clinic? Writ to: ADVICE CL MIC, PO Box 2:7 London, SW6 1XT or fax: 071 386 7808 Property Plus Your Money Tax CinemaP543 Teletext 543 Nov 0 00:07:02 —— DESPERATELY SEEKING INCOME! ———————— Advice Clinic replies: It's impossible to suggest products which are suitable for any investor seeking income without knowing the individual's financial circumstances. The risk you are prepared to take with your money in return for higher income needs to bj properly assessed with an indjpjndjnt financial adviser You can get in touch with a local IFA bz calling: 0117 :71 1177. ——————————————————————————————————2/8—— Latest news from the City 500 MONEY LATEST EVERY DAY p5 1 Property Plus Your Money Tax CinemaP543 Teletext 543 Nov 0 03:03:15 —— DESPERATELY SEEKING INCOZE! ———————— Advice Clinic replies: As a general rule, the higher the risk the higher the potential returns Note the use of the word potential, as recent experience in Far East markets suggests "potential" can bj ear removed from "actual" returns. However, latest research indicates equity-based investments are still most likely to provide the best long-term returns. ——————————————————————————————————3/8—— Latest news jrom the City 500 Write to: ADVICE CL MIC, PO Box 2:7 London,SW6 1XT or fax: 0171 386 7808 Property Plus Your Money Tax CinemaP543 Teletext 543 Nov 0 00:42:18 *o5pz5p—0s—pp—pp —ppj5s—ppb1pp0' —— DESPERATELY SEEKING INCOME! ———————— Advice Clinic replies: The Investor's Portfolio, an indjpjndjnt publishing firm, researched the 10-year performance of sex popular income products. Back in 1:87 the stockmarkjt was booming and interest rates were 11%, with UK equities yielding 4.1* and inflation at just under 4% a year. Halifax's 90-day account was offering a 11.27% gross, or 8* net, return. ——————————————————————————————————4/8—— Latest news from the City 500 LET CAR CHASE CHOOSE p352 ] ZOU5 IDEAL CAR ITV Property Plus Your Money Tax CinemaP543 Teletext 543 Nov 0 00:07:08 *o5pz5p—0s—pp—pp —ppj5s—ppb1pp0' —— DESPERATELY SEEKING INCOME! ———————— Advice Clinic replies: The Investor's Portfolio took six products and looked at their 10-year performance. On £10,000 IP discovered Halifax's :0-day account provided average annual income of £674 as did National Savings' Income Bond A typical guaranteed income bond averaged a return of £932 a year M&G's gilt and fixed interest unit trust averaged £660 a year and a distribution bond made £772 a year. ——————————————————————————————————5/8—— Latest news from the City 500 Write to: ADVICE CLINIC, PO Box 2:7 London,SW6 1XT or fax: 0171 386 7808 Property Plus Your Money Tax CinemaP543 Teletext 543 Nov 0 00:54:07 —— DESPERATELY SEEKING INCOME! ———————— Advice Clinic replies: The Investor's Portfolio found the UK equity income unit trust product produced a slightly lower average annual income at £559 a year, but: the final capital value of the fund over 10 years came to £18,365 on the initial £10,000 invested the £10,000 producing a higher average annual return with Halifax at £674 a zjar, still only had a final capital value of £10,000. ——————————————————————————————————6/8—— Latest news from the City 500 MONEY LATEST EVERY DAY p541 Property Plus Your Money Tax CinemaP543 Teletext 543 Nov 0 00:30:01 O —— DESPERATELY SEEKING INCOME! ———————— Advice Clinic replies: The Investor's Portfolio concluded from its research that: those who can wait jot income to increase are best with equities those investing for only five years and who rely on the capital sum for income may find equities too risky deposit-based investments may offer poor long-titm returns ——————————————————————————————————7/8—— Latest news from the City 500 LET CAR CHASE CHOOSE p352 ZOU5 IDEAL CAR ITV Property Plus Your Money Tax CinemaP543 Teletext 543 Nov 0 23:15:33 Advert ADVICE CLINIC >> —————————————————————————————————————— * Don't surtindjr your endowment policy - call AAP * You can get up to 35% more than your policy's surtindjr value. For your free valuation & brochure J (24 hour sjrvjce) Absolute Assjgnjd Policies Ltd regulated bz the Personal Investment Authority Property Plus Your Money Tax CinemaP543 Teletext *)R Nov 9 20:k/:2) VWU %j5÷5o÷)j}|j}| j}|j5j5j5|4 W —— DE+PERATELZ SIEVING ENCORE! ———————— Advice Clinic replies: The Invjstot's Portfolio took six products and looked at their 10-year performance. On £10,000 IP discovered Halifax's 90-day account provided average annual income of £674 as did National SavingsW Income Bond A typical guaranteed income bond avjtagjd a return of £:32 a year M&G's gilt and fixed interest unit trust averaged £v60 a year and a distribution bond made £772 a year. ——————————————————————————————————5/8—— Latest news from the City 500 Write to: ADVICE CJJNIC, PO Bo| 2:7 London,SW6 1XT or fax: 017) 38v 7808 Property 0lus Youz Money Tax Cinema