Information on cash deposit

Skandia Investment Solutions cash deposit facility

If you hold money in the cash deposit within your Skandia Investment Solutions ISA or Collective Investment Account, interest will be calculated daily on the cash balance within your account and paid daily at a rate set by us. The rate will be set at the beginning of each calendar month and will remain in force for the remainder of that month.

The rate of interest from 1 February 2012 is 0.10% a year before tax.

Please refer to the product literature on our literature library for an explanation of how tax deductions apply to the cash deposit facility.

Historical rates of interest

April 2009 to January 2012: 0.10% a year before tax
March 2009: 0.60% a year before tax
February 2009: 1.10% a year before tax
January 2009: 1.60% a year before tax

Skandia Investment Solutions cash deposit facility as at 17 November 2011

Bank/Building society % holdings of Facility
Barclays 23.70%
Clydesdale 20.70%
RBS 34.90%
Santander UK PLC 20.70%

 

Skandia Life Deposit Fund

The Skandia Life Deposit Fund does not pay interest as it is a unit-linked fund. Any growth is based on the returns from deposits with the following banks and building societies:

 

Skandia Life Deposit Fund as at 
14 November 2011

Bank/Building society % holdings of Fund
Barclays 14.90%
Santander UK PLC 12.50%
Clydesdale 11.20%
RBS 10.90%
Leeds 10.10%
Coventry 9.60%
Nationwide 9.00%
HSBC 7.40%
HSH Nordbank AG 4.80%
Co-op 4.80%
SEB 4.80%