mayfairman's Review of Royal Standard Endowment Assurance Friendly Society
17th Jan 2004
Overall Rating
- Value for money
Mutual - no shareholders to pay
Very low overheads
Low risk investment
Good bonuses
Bad Points
Small society
Bonuses are not compounded
Maximum investment £270 p.a.
General Comments
The Royal Standard Friendly Society demonstrates that there is still merit in being a mutual, with no greedy shareholders to pay. As a small society the Royal Standard has very low overheads and can give all its surplus to its policy holders, keeping bonus levels much higher than those on insurance company endowments.
Investors are limited by law to a maximum investment of £270 p.a. in the tax free fund, but over ten years that can easily build up into enough to pay the university top up fee.
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