the easy choice for re ular investors introducin the Mana ed Savin s Account

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1 the easy choice for re ular investors introducin the Mana ed Savin s Account Not for use in the UK, Hon Kon and Sin apore. enablin intelli ent investment choice

2 a simple, cost-effective re ular savin s solution The Managed Savings Account is a simple, cost-effective regular savings solution issued by Royal Skandia. It is designed for people committed to investing regularly over the medium to long term. a flyin start Through the Managed Savings Account, you can invest from as little as US$525 ( 525/ 350) per month. To give your investment a flying start we ll invest an extra 5% for every payment you make in the first year. So, if you invest US$1,000 each month, after a year, we ll have added an extra US$600. features Invest monthly, quarterly, half-yearly or annually in US$, or 105% of your money is invested during the first year Choose from around 300 international investment funds market-leadin investment choice The key to successful investing is in building a portfolio tailored to your needs. The Managed Savings Account gives you access to around 300 international investment funds across a diverse range of currencies, asset classes, sectors and specialist funds. access to your money After a qualifying period you can take your money out. You can take out 1% of the value of your account every year without charge, or carry this allowance forward for future years. Or you can opt for a fixed account that lets you take out up to 50% of the value of your account, or 90% of the surrender value, whichever is lower. Up to 4% loyalty bonus 1% charge-free allowance Simple, competitive charging structure loyalty bonus The Managed Savings Account is designed to perform over the medium to long term. It rewards your commitment with a loyalty bonus of up to 4% depending on how long you invest for. This won t suit investors with a short-term view. market-leadin maturity values The last thing you need is for hidden costs to put a drag on the potential for your investment to grow. The effect of our charges on your investment is consistently lower than those of our competitors, by a significant amount in some cases. Depending on where you reside, you may incur tax on the money you take out. You should seek tax advice from your financial adviser.

3 the easy choice for re ular investors a flyin start You can invest through the Managed Savings Account from as little as US$525 ( 525/ 350) per month. To give your investment a flying start we ll invest an extra 5% for every investment you make in the first year. So, if you invest US$1,000 each month, after a year we ll have added an equivalent of US$600 of extra premium. The more you can invest in the early years the longer your money has to benefit from the potential for growth and with the calibre of the fund managers working on your investment, that s a valuable benefit. Stopping regular investments before the end of the account term will incur charges. Therefore you must be prepared to commit to regular investment for the account term they select. access to your money After a preliminary qualifying period (one month for every full year of your account term) you can take money out of your account in two ways: 1. Charge-free allowance. You can take out up to 1% of your account value each year without charge. If you don t use your allowance you can save it to use in future years a feature that applies to regular investments only. 2. Fixed account. By opting for a fixed account you can take out up to 50% of your account value as long as you keep your account to the end of the term. There is a monthly charge for this service of US$8.30 ( 8.30/ 5.50). Taking money out of your account, especially in the early years, will dramatically reduce the potential for your investments to perform. For that reason the Managed Savings Account is designed for those able to commit to making regular investments over the medium to long term. You can take out as much money as you like after the preliminary period but an early encashment charge may apply. The extra 5% investment and early encashment charge do not apply to lump-sum investments. Depending on where you reside, you may incur tax on the money you take out of the account. You should seek tax advice from your financial adviser.

4 rewardin your loyalty The Managed Savings Account is designed to perform over the medium to long term. This means the account is not suitable for investors with a short-term view. It rewards your commitment with a loyalty bonus of up to 4% depending on how long you invest for. As long as you have paid all the investments during the account term, at maturity we add an extra 0.2% of the value of your fund for each complete year you invested with us. That could be up to 4%. And remember the more your fund grows, the bigger the value of the bonus becomes. clear char es and maturity values Unlike some similar accounts, the Managed Savings Account has a simple charging structure. Product charges are as follows: 1. A 7% bid/offer spread, which is the difference between the selling price and the buying price of units in investment funds. The charge covers the costs of setting up your investment and pays for the financial advice you receive. It applies every time you invest in your account. 2. We deduct 1% of the value of your fund each year for ongoing management costs. 3. There is a US$8.60/ 8.60/ 5.75 monthly maintenance charge. 4. During the Preliminary Period (one month for every full year of your account term), it is not possible to encash your account. After the Preliminary Period, any encashment made before maturity which exceeds the charge-free allowance will incur an early encashment charge. Early encashment charges do not apply to lump sum investments. The managers of the funds that you choose to invest in will also make a charge, generally between 1% and 2.5% each year. The charge depends on the funds you select, the manager and the type of investments your fund holds. Your financial adviser can help you make that choice. Let s take a look at what that could mean to you. Monthly Term Total Value investment (US$) (years) investment at the end (US$) (US$) ,000 98, , ,882 Source: Lifebase as at April The example shown assumes a growth rate of 7.0%. It includes all Royal Skandia charges and assumes external fund management charges of 1.5% each year. The actual return may be different as the value of units and their yield may go down as well as up due to the nature of this type of investment. The figures are for illustration purposes only and are not guaranteed. The example shown is designed solely to show the potential growth of a Managed Savings Account assuming a certain investment term and amount.

5 the Mana ed Savin s Account in financial plannin At Skandia International we believe strongly in the benefit of professional financial advice. We encourage you to review your circumstances and financial planning needs with your financial adviser before making an investment in the Managed Savings Account. Your financial adviser will be able to tell you more about using your Managed Savings Account in financial planning. Regular investing investing regular amounts in your Managed Savings Account can smooth the price of investment units bought during volatile markets an effect known as unit cost averaging. Portability no matter where you go in the world your Managed Savings Account can go with you. Automatic escalation you can select to automatically increase your regular investment in your Managed Savings Account each year to keep pace with inflation. Regular withdrawals when the time comes you can choose how to use the capital you ve built up in your Managed Savings Account. You can take a lump sum, schedule regular withdrawals or take money out just when you need to. a financial services company you can trust A leading provider of offshore savings products, Royal Skandia offers a comprehensive range of innovative and market-leading investment solutions to investors around the globe. We are part of the Old Mutual Group, a FTSE 100 company established in 1845 and operating in 35 countries. Source: Old Mutual January Education the benefit of a first-class education lasts a lifetime. It s one of the greatest gifts we can give our children but is increasingly costly. The earlier you begin saving, the easier it becomes. Tax planning Royal Skandia is not currently liable to tax on the investment funds available through the Managed Savings Account. Investment income building up in a fund may be subject to a tax deduction in the country where the income was produced but once inside a Royal Skandia policy the investment can accumulate free of tax. There may be taxation when you take money out depending on the tax system in the country where you reside at the time of encashment. Royal Skandia has been collecting prestigious awards for many years, including Best International Life Group and Best Commitment to Service at the International Investment Fund and Product Awards in Royal Skandia is located in the international financial centre of the Isle of Man and benefits from a stable and independent legal, political and regulatory framework. Of all the major offshore centres, the Isle of Man is one of only a few that has a statutory compensation scheme for life assurance companies to protect policyholders.

6 at a lance Structure Objectives Term The Managed Savings Account is provided by Royal Skandia Life Assurance Company Limited and is available in two versions. One is a life assurance version where in the event of the death of the relevant life assured, the death benefit is 101% of the fund value. The second version is a redemption account with a 5 to 20 year term. At the end of the term the account will pay the higher of US$150 ( 150/ 100) or the fund value of the account. The Managed Savings Account is a simple, cost-effective regular savings solution. It s designed for clients committed to investing regularly over the medium to long term. Choose any term between 5 and 20 years. Minimum investment To start your account Future increases US$ US$ Monthly Quarterly 1,575 1,575 1, Half-yearly 3,150 3,150 2, Yearly 5,250 5,250 3, Lump sum 15,000 15,000 10,000 1,500 1,500 1,000 How much of your money is invested? Preliminary period Investment funds Loyalty bonus Access to your money Charges Early encashment What happens if I pass away? 105% of regular investments in year one, 100% thereafter. 105% of increases for one year, 100% thereafter. 100% of lump sum investments. One month for each full year of the account term. During this time there is no encashment value, except on lump sum investments. Access to more than 40 of the world s leading fund managers. Choose from around 300 international investment funds. Free switching. Fund manager charges vary depending on your fund choice. Up to 4% of account value at maturity depending on savings term. One-off or regular withdrawals. 1% charge-free allowance each year. Fixed account option. 7% bid/offer spread. 1% annual management charge. US$8.60/ 8.60/ 5.75 monthly maintenance charge. This increases to US$17.20/ 17.20/ if the fixed account option is used. If you take money out of your account other than from your charge-free allowance or our fixed account there will be a charge, details of which can be found in the account Terms and Conditions. Given the short-term volatility of investment markets we believe strongly that you should remain invested for the full account term. The life assurance version will come to an end upon the death of the relevant life assured. The redemption version, in the event of the death of the last of the accountholders your account, will not end. The legal representative of the last accountholder becomes the accountholder. They have the choice to: keep the account and appoint a beneficiary to become the accountholder by executing a deed of assignment, or encash the account. If the account is encashed, the early encashment charge (if applicable) will still apply. To ensure you fully understand all of the risks and benefits of the Managed Savings Account you should also read the relevant account Terms and Conditions. At Skandia International we believe strongly in the benefit of financial advice and encourage clients to review their circumstances and financial planning needs with their financial adviser before making an investment in the Managed Savings Account. You should also ensure you have obtained information on the funds you are investing in, which can be obtained from your financial adviser, or from our website

7 market-leadin investment choice The key to successful investing is to build a portfolio tailored to your needs. The Managed Savings Account gives you access to around 300 international investment funds across a diverse range of currencies, asset classes, sectors and specialist funds. Our fund range is constantly being refreshed by our team of investment research specialists to make sure we provide the leading funds from the best managers in the world. With flexibility over where to invest, you can create a diversified portfolio that matches your investment objectives and attitude to risk. As your objective or risk profile changes so can your choice of funds. Switching funds on your instruction is a service we currently offer free of charge. The value of investments can fall as well as rise and is not guaranteed.

8 Skandia International is the divisional name for the international companies within the Skandia Group. Calls may be monitored and recorded for training purposes and to avoid misunderstandings. Royal Skandia Life Assurance Limited is registered in the Isle of Man under number 24916C. Registered and Head Office: Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. Phone: +44 (0) Fax: +44 (0) Authorised by the Isle of Man Insurance & Pensions Authority. When printed by Skandia this item is produced on a mixed grade material, which uses a combination of recycled wood or paper fibre from controlled sources and virgin fibre sourced from well managed, sustainable forests. SK7234/INT10-205/June 2010

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