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 Key Features - Unit Linked 

MAPFRE MSV LIFE PERSONAL PENSION PLANS - UNIT LINKED
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Planning for Retirement is probably one of the most important factors to consider when setting out your long term financial goals. Your pension and the funds you save up over the years are the money you will live on when you retire, so saving for this purpose is one of the most important investments you will ever make.

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PERSONAL PENSION PLAN - UNIT LINKED
 

The Personal Pension Plan (Unit Linked) is a long term regular savings pension plan, offering you a choice of various investment funds. It allows you to save on a regular basis and to invest additional lump sums at any time in the future. The value of the Plan is linked to the value of the underlying investments of your choice.

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UNIT LINKED SAVINGS PLAN
 

The Unit Linked Savings Plan is a long term regular contribution savings plan, offering you a choice of different investments as well as the MAPFRE MSV Life With Profits Fund It allows you to save on a regular basis and to invest a lump sum at anytime in the future. The value of the Policy is linked to the value of the underlying investments of your choice.

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PLAN DESCRIPTION
 

  • The MAPFRE MSV Life Personal Pension Plan (Unit Linked) is a long term regular savings pension plan, offering you a choice of various investment funds. 

  • It allows you to save on a regular basis and to invest additional lump sums at any time in the future. The value of the Plan is linked to the value of the underlying investments of your choice. 

  • Contributions to the Plan qualify for a tax credit for those meeting the necessary eligibility criteria below.

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ITS AIMS
 

  • To build up a sum of money which will be used to provide a tax-free cash sum when you retire and a regular income for the rest of your life, in order to supplement the State Pension.

  • To help your retirement planning cope with changes in your personal and financial circumstances. 

  • To offer you a wide and flexible choice of where to invest your savings. 

  • To provide a cash sum to your wife, husband or dependant(s) should you die before retirement.

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YOUR COMMITTMENT 
 

  • To make regular contributions for the life of the Plan.

  • To keep the Plan invested until you choose to take your retirement benefits.

  • To invest for the long term and to review your contributions on a regular basis.

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RISK FACTORS
 

  • The underlying investment funds, in which you can choose to invest your contributions, have different levels of risk.

  • Past performance of funds is not necessarily a guide to future performance and the value of your Plan is not guaranteed.

  • The value of funds and the currency in which they are denominated may go down as well as up and you may not get back your original investment.

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  • When you retire the fund value may be less than illustrated if:

  1. You stop contributing into the Plan, or reduce contributions.

  2. Investment performance is lower than illustrated.

  3. You take your benefits earlier than your selected retirement date.

  4. Tax rules change.

  5. Charges increase above those illustrated.

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