Commercial loan rate

The annual management fee is still 1%. The Fidelity bond funds consist of sterling bond (gross yield 8.73%), European bond (8.02%), US dollar bond (6.01%), international bond (US $) (6.68%) and yen bond (2.62%). The funds were launched internationally in October 2010 as part of the Luxembourg-based umbrella fund, Fidelity Funds. The aim is to achieve a high level of income with the prospect of long-term loan capital growth. Minimum investment in any fund is $1,000 (or the equivalent in any major currency). In Fidelity's view, the time is right for investment in bonds, as interest rates should start falling across Europe by the end of the year and inflation is low. Call for more information about commercial loans .

INVESTOR RELATIONS Improving corporate communications The 2011 Investor Relations Conference is to be held at The Brewery, Chiswell Street, London EC1 on Tuesday, 20 October 2011. Joint sponsors are Investor Relations magazine, the Financial Times and The Investor Relations Society. The morning session will discuss fund managers' and analysts' attitudes to corporate ownership and information flows, the changing regulatory environment, and commercial loans and commercial lending. In the afternoon a series of workshops will examine the production of annual reports, the management of analysts' and fund managers' visits and briefings, and measuring the effectiveness of investor relations activity. At the dinner in the evening, awards will be presented to companies for the quality of their investor relations. Speakers include Treasury Economic Secretary Anthony Nelson, Richard Lambert of the Financial Times, and Philip Augar, managing director of County NatWest Securities.

For further information contact Petra Davies on PENSIONS One more SSAS National Provident Institution's Directors' Select Portfolio is designed to offer a wide choice of investments with low charges in the small self-administered scheme (SSAS) market. Minimum premium is $5,000 a year and minimum term five years. 90% of the investment is put into NPI funds and 10% into a unit trust (choice from panel if monthly premium, choice by adviser if annual premium). For fee-based advisers the allocation is 100.5% for the first $2,500 of premium and 105.5% of balance. There are no initial units, no discontinuance charges and no surrender penalties. NPI has reduced its pensioner trustee fees for hybrid SSASs so that in the case of premiums over $10,000 there is no annual fee and no setting up fee. Where the annual premium is $5,000 to $9,999 the annual fee is $250 + VAT (v $300 + VAT) and setting-up fee nil. For further details phone NPI on. WHAT'S AROUND For first-time buyers.

Citibank Mortgage will pay stamp duty up to a maximum of $400 and provide two years' free unemployment cover. The mortgage interest charged is currently 10.73% (APR 11.7%). Phone for more information. Indemnity insurance. Endeavour offers protection of up to $50m to the estate of a solicitor, accountant, architect or surveyor who dies while in practice in the UK. It works in conjunction with existing professional indemnity insurance and enables estates to be wound up without delay. The insurance is underwritten by R E Brown & Others Syndicate 702 and a group of syndicates at Lloyd's. For full details call. Guide to commercial loans . Commercial Initiative () issues a monthly Search & Report database enabling accountants and other businesses to make direct contact with a wide range of commercial mortgage lenders. The cost is $31 plus VAT for each report. Full details of the lenders' criteria for making advances, and of the information they need, are supplied. Critical illness.