Authorised and regulated by the Financial Services Authority Portfolio Report 09/12/2009 James Bond 50 Park Lane, Wallington, Surrey, SM6 0TN, United Kingdom Intelliflo Ltd (DM) IntelliFlo Ltd, Surrey, KT1 1LF, United Kingdom Tel: 08452 303 700 Email: [email protected]
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Authorised and regulated by the Financial Services Authority
Portfolio Report09/12/2009
James Bond50 Park Lane, Wallington, Surrey, SM6 0TN, United Kingdom
Method of Repayment: Capital and Interest Monthly Repayment: £780.00
Mortgage Type: Standard Mortgage Term: 18 years
Redemption Penalty: Yes Redemption End Date: 01/10/2010
Portfolio ReportJames Bond
E&OE 09/12/2009 Page 17 of 20
Other Assets
PropertyJames BondMain Residence - Marital Home
Purchase Date: 11/02/2007 Current Value: £350,000.00
Original Value: £280,000.00 Profit: £70,000.00
Valuation Date: 03/10/2009 Growth %age: 25.00%
Growth %age perannum:
8.81%
Portfolio ReportJames Bond
E&OE 09/12/2009 Page 18 of 20
Important NotesWhere shown, current values are based on the published bid price of units at the most recentvaluation date.
Where funds are shown, units allocated within a fund are based on the last available unitallocation statement provided by the provider. Should any encashment of units or income havebeen drawn from the fund, or in the case of policies with regular contributions, any additionalinvestments made, then the number of units may not be correct.
Where investments are in currencies other than sterling, all values displayed are in sterling at thecurrency conversion rate when last updated.
For policies with more than one contribution that have only been recently commenced, thecurrent values shown are only accrued, they may not represent the actual encashment value ofthe units.
Depending on your tax position, and the policies and investments you own, Income or CapitalGains Tax may be payable on encashment of some or all of your policies or investments. Forfurther advice on Taxation please contact us.
Portfolio ReportJames Bond
E&OE 09/12/2009 Page 19 of 20
GlossaryAlphaThis measures the value added by the manager. Alpha is less difficult to achieve in bull markets.With bond funds alpha readings are less reliable because capital appreciation is not the mainobjective.
Annual IncomeThe Annual Income is the total of all income paid out from each investment. This can bedividends from equities, fixed regular income from an investment bond or natural income paidout from unit trusts or OEICs.
BetaThis measures the sensitivity to market movements. A beta of 1 means parity with the relevantindex and beta rating usually lie between 0.5 and 1.5. A fund would be perceived to be less risk ifit had a beta of <1.0 (being less volatile than the market) and more risky if the rating were >1.0(accentuating market movements. A fund with a very low beta would be a very specialist fundwhose constituents bore no relation to the market benchmark or one whose manager paid noregard to benchmarks.
Current ValueWhere fund holdings exist the current value is based on the last available price data for the unitsspecified at the units date. Where fund holdings are not available the current value is based onthe latest sourced valuation.
Efficient FrontierA line created from the risk-reward graph, comprised of optimal portfolios.
Information RatioThis measures the extent to which the fund has beaten its benchmark, without incurring greatervolatility than the benchmark.
PerformancePerformance should be noted over discrete periods of not less than 3 years. Then, this can beanalysed relative to the performance of the market and after stripping out the effect of marketmovements.
Portfolio SummaryThe portfolio summary provides an overview of your portfolio. You will see that the total invested,which is taken as the total of all initial investment. The withdrawals figure and annual incomerepresent the sum across all investments included within your portfolio. The main sectionprovides a summary of each investment by product category, including profit/loss amount andpercentage.
SortinoThis measures the extent to which the return from investing in equities has exceeded what couldhave been achieved from a risk-free cash investment without exposing the fund to undesirabledownside volatility. In bear markets equity funds are likely to have negative Sortino.
Stochastic ModelA model that recognises that there could be a range of possible outcomes for a given set ofinputs, and expresses the likelihood of each one.
VolatilityFluctuations in value measured as standard deviation. Bonds will typically be between 1 and 2and equities between 4 and 8 though emerging markets funds could be as high as 30. Of all therisk measures, it is volatility which changes most quickly, reflecting changes in market conditions.