Legal and General With Profits Funds, Bonds and Policies

Legal And General

Ownership status

Legal and general is part of the legal and general group PLC.

Range of policies

MVRs

The ranges of Market Value Reduction factors which applied to individual with-profits business with legal and general over the years 02-06, were as follows;

Year	2002	2003	2004	2005	2006
Pensions	0%-27%	0%-29%	0%-21%	0%-14%	All 0%
Annual bonus only bonds	0%-25%	0%-27%	0%-22%	0%-29%	0%-15%
Other Bonds	0%-22%	0%-24%	0%-18%	0%-15%	0%-5%
Regular Premium Life	0%-19%	0%-16%	0%-10%	0%-5%	All 0%

Source; www.legalandgeneral.co.uk/withprofits

	Growth and income bonds*	Other Bonds	All other Life policies	Pensions	WP Annunities*	All other pension policies
UK Shares	39%	38%	43%	28%	43%	37%
Overseas shares	10%	7%	12%	8%	13%	11%
Fixed interest securities	28%	34%	24%	50%	22%	34%
Commercial property	21%	21%	21%	14%	22%	18%
Other	2%	0%	0%	0%	0%	0%

Source; www.legalandgeneral.co.uk/withprofits

* For policies in groups marked, the asset mixes and investment returns for individual policies depend upon the product type held and the date the investment was made. The figures shown are averages for all types and dates.

With-Profits return

	Growth and income bonds*	Other Bonds	All other Life policies	Pensions	WP Annunities*	All other pension policies
5 year Investment return	9%	9%	11%	8%	12%	10%

Source: www.trustnet.com

Legal and general do not apply the same investment returns to all with-profits policies. When assessing appropriate levels of policy benefits, they have into account the following investment returns for the year 2006, derived from the asset mixes applied to the product groups.

Annual yields

	6m return	3yr return	5yr return	10yr return	25year return
WP endowment	N/A	N/A	N/A	N/A	7.7%

Source: moneymanagement

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