AAM Financial Services · Proposed CLiF
CLiF Income
A foundation for your next step.
What it is
Build a savings foundation through suitable income and interest-bearing investments.
A proposed route into approved money market, short-duration income or other suitable interest-bearing products. It focuses on accessible savings and potential income, with access determined by the underlying product.
How it works
Once an eligible merchant allocation is verified and settled, it can be directed into your selected Income product. Affordable personal contributions may be added. The provider records your holding and reports contributions, earnings and fees.
SWYO · OWYS means “Shop Where You Own. Own Where You Shop.” Your spending remains payment for goods and services. Only eligible merchant profits allocated under agreements, verified and paid into your investment become contributions. No profit may mean no allocation.
Potential benefits
- A starting point for planned expenses and savings goals.
- Potential interest income on invested contributions.
- Access options suited to your needs, subject to product dealing rules.
Is it suited to you?
For people prioritising financial stability and shorter-term goals. An adviser should first assess essential expenses, debt and emergency cash needs.
Understand the risks
Interest-rate changes, credit risk, inflation and capital loss remain possible. Money market and income unit trusts are not automatically bank-guaranteed.
General information, not financial advice. CLiFs are proposed and not open for subscriptions. Underlying products, authorisations, merchant agreements, minimum contributions, fees and launch dates must be confirmed before participation. Capital, allocations and investment returns are not guaranteed.
Your budget. Your priorities.
Start with a conversation, not a commitment.
A licensed and registered financial adviser will help you assess your needs, affordability and risks, explain approved product options and guide onboarding when the programme becomes available. Keep essential expenses and emergency needs first.