P2 Portfolio Planner
Terms and Conditions
Stochastic modelling is the principle that underpins P2. Developed in partnership with decisionsdecisions and Barrie Hibbert, the model simulates potential future investment returns based on key assumptions and provides an assessment of the client’s appetite for, or aversion to, various investment risks.
It allows you to estimate the probability of achieving investment goals by taking account of the growth and volatility that may be expected in market prices consistent with their historic behaviour and matches this to the client’s investment risk profile. However, future investment returns are uncertain and past performance may not be a reliable guide to the future.
Please be aware that actual returns may differ from those illustrated. The figures shown should therefore be treated as illustrative only. In addition risk assessment can be a subjective issue and you must be satisfied that the assessment of risk is fully discussed and agreed with the client.
The figures provided by P2 are not guaranteed, but have been designed to show a range of possible outcomes based on the inputs provided and assumptions made. The actual level of any return will depend on the actual performance of the specific investment made, together with the tax treatment and actual charges of each specific product. The figures provided by P2 do not make any allowance for the tax status of individual clients. Results are particularly unreliable at short durations (less than five years) and should not be used to aid short term investment decisions. By your use of P2, you acknowledge and agree that we are not giving any warranties in respect of P2 or its use, and that all warranties that may be implied by law are excluded insofar as it is possible to do so.
P2 is for financial adviser use only and is not intended for consumer use. It should only be used in addition to your regulated selling and advice processes.
By your use of P2, you acknowledge and agree that Scottish Widows will not be responsible for:
- any assumptions made by you for the purposes of data input into P2
- any advice or recommendation made to your clients as a result of the outcomes generated by P2
- any assessment of the client’s appetite for accepting investment risk
- determining the suitability for your client of any outcomes generated by P2
You accept and/or rely upon at your own risk any information sourced from Financial Express and provided to you by Scottish Widows plc. You agree that neither Financial Express nor Scottish Widows plc shall be liable for any losses, costs, damage or expense incurred as a consequence of your use of or reliance upon such information.
Scottish Widows will not be liable for any claim that may be made by any client of yours relative to your use of P2, and you agree to indemnify and hold Scottish Widows harmless for any claim that may be made by or for any of your clients.
It is your responsibility to ensure that all necessary consent has been sought
and obtained from your client for their personal data to be used on P2 and
in order for it to be stored by Scottish Widows in accordance with the Data
Protection Act and its regulatory responsibilities.
Please ensure that in using P2 with your client, they are fully aware of and
understand the above information.
These Terms & Conditions shall be interpreted in accordance with Scots law and you agree to submit to the jurisdiction of the Scottish courts in relation to all matters arising from your use of P2.
I have read and understood the above information and wish to continue into P2.
