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Financial products from offshore centres could offer you major advantages. However, this is a specialised area of investment. It's important to talk to your financial adviser who will be able to explain all the advantages as well as the risks, and help you identify the best product for you.

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Investment terms explained
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Issued by Clerical Medical Investment Group Limited. Registered Office 33 Old Broad Street, London EC2N 1HZ. Registered in England and Wales, Registered No. 3196171. Part of the HBOS Group. Clerical Medical Investment Group Limited is authorised and regulated by the Financial Services Authority. These pages are intended for UK residents only. © Copyright Clerical Medical Investment Group Limited 2005.