Standard Life offer your clients the opportunity to invest in a choice of quoted shares, government and corporate bonds, exchange traded funds (ETFs) and other securities, through Stocktrade, a division of Alliance Trust Savings.
To view online values of shares, bonds, other securities and ETFs bought through Stocktrade use the link below.
When your client invests in this Self-Directed Option, a policy cash account will be set up within your client's policy to facilitate their Self-Directed Options and from which payments are credited and deducted. The policy cash account is a deposit account provided by a third party. For further information, see the Key Features documents on the relevent product page and the Self-Directed Options guide PDF (567Kb)
The interest rate payable on the policy cash account is 0.00% AER*.
*As at 21 July 2016.
Company shares (sometimes called stocks) are units of ownership of a company which are bought and sold through stock exchanges.
Bonds are loans to a government (government bonds, gilts) or a company (corporate bonds), usually for a set length of time.
They can invest in company shares, government bonds or corporate bonds quoted on a regulated stock exchange, for example, a Public Limited Company or bond quoted on the Irish Stock Exchange.
An ETF is like an index or tracker fund, and it trades on regulated stock exchanges just like company shares. They can invest in ETFs linked to commodities such as gold, water and clean energy, and check prices online, just like shares.
Your clients can invest in ETFs based on specialist sectors such as:
- commodities
- small, mid and large cap securities
- bonds
- private equity
Your clients can invest in company shares, bonds and ETFs through the following products:
- Synergy Personal Pension
- Synergy Executive Pension
- Synergy Buy Out Bond
- Synergy Approved Retirement Funds
- Synergy Portfolio Approved Retirement Funds
Your clients can only invest in ETFs through the Synergy Investment Bond and Synergy Regular Invest.
Your clients can only invest in company shares and bonds through the Synergy PRSA.
If your clients choose to invest in ETFs, they need to complete an Alliance Trust Savings form below.
Appropriateness Assessment form PDF (116Kb)
If your clients are currently invested in a Synergy policy and now wish to invest in an execution only stockbroking account they need to complete the form below.
Stocktrade requirements to open an account PDF (86Kb)
