Developments in the economic and regulatory environment over the past five years mean that with profits investments have changed fundamentally.

Reviewing is good practice – but it doesn’t always mean moving

Because of these changes, it is essential to review your clients' with profits policies, no matter who the provider is, to establish whether the investments remain a suitable investment for clients - the reviews should only aim to highlight the cases where moving a policy would be in the client's best interests.

How can Standard Life help?
The Standard Life With Profits Review Programme provides a straightforward, end-to-end process to help you manage with profits reviews. It includes:

• Best practice guidelines including a step-by-step guide to with profits reviews developed with AKG.
• Tools and templates for use with each step of the process.
• Useful sources of with profits information.
• Factsheets to help you explain with profits to your clients.
• Important with profits data for reviews including information on AKG ratings, asset mixes and details on open and closed funds.
• A with profits analyser as part of our Portfolio Planning Tool which enables you to use stochastic modelling to forecast the range of possible returns from a with profits investment and compare with alternative strategies.

For further information on the Standard Life with profits review programme please visit the With Profits area.

Past performance is not a guide to the future. The value of investments can fall as well as rise.

No guarantees are given regarding the effectiveness of any arrangements entered into on the basis of this content.

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