How low can you go?

Germans and Austrians get excited about it, yet in the UK we either take with-profits for granted or it has been forgotten as new investment products have been developed and marketed. Yet the investment demand for this once forgotten concept is at an all-time high and the number of advisers looking for with-profits options is increasing all the time. In many ways this back to basics approach is no surprise. The last year or so has created some difficult choices for investment advisers as cash returns have fallen, other low risk options, such as gilts, have continued to disappoint and dire...