TESP performance - POIS

A real-life example

A £25 per month Tax Exempt Savings Plan which commenced in November 2008 with a 10 year term provided a payout of £3,438.78 at maturity. This is an average annual return of 2.7% and a total return of 14.6%, after charges.

Past performance should not be seen as a reliable indicator of future results and the addition of annual and final bonuses is not guaranteed.

  • Following a re-price, all TESPs taken out from 1st January 2018 will have a guarantee of 91% of contributions. This change to the guaranteed amount does not impact the future investment performance of your plan, but does mean the amount you receive at the end of the plan could be lower than your contributions.
  • The final bonus rate is based on the year that the policy commenced and can change at any time.
  • The above graph is provided for information purposes. The potential for future bonuses depends on the performance of the Order Insurance Fund and how we distribute any profit.