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5.9 Scheme Investments

  • The range of investments offered by stakeholder providers includes unit trusts, OEICs, traditional pension products, shares transferred from employee share option schemes and individual pension accounts.

  • Originally with profit investments were to be excluded but the position has changed. Stakeholder schemes may offer with profit investment options but accounts relating to stakeholder contributions must be "ring-fenced" in a sub fund separate from contributions received from contributions paid by other with profit investors.

  • Each stakeholder provider must name of default investment option into which contributions will be invested if the member does not specify a fund selection.


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