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Personal finance: Bargain basement

DRESDNER RCM GLOBAL INVESTORS is halving to 0.5 per cent the annual management charge on its Income Growth Investment Trust for investors who subscribe before 26 June. Call 0800 317573.

MARKS & SPENCER FINANCIAL SERVICES is extending its Personal Reserve flexible borrowing facility, which allows continuous borrowings of up to pounds 3,000, with a cheque book, to non-account cardholders. Rates are 14.9 per cent APR on loans above pounds 2,000. Call 0800 004006.

COX UNDERWRITING SERVICES is re-launching Portfolio, its worldwide all risks home insurance, which includes free motor breakdown cover in Europe and annual travel cover. Rates are individually based. Call 0800 378877.

BRISTOL & WEST is launching a new range of mortgages, including one fixed at 5.67 per cent until 2001, a rate capped at 6.25 per cent for four years and another one capped at 6.85 per cent for five years with no redemption penalty at the end of the capped period. Call 0800 119955.

CHELTENHAM & GLOUCESTER is launching a one-year fixed rate bond offering 7.5 per cent gross. Minimum investment is pounds 1,000. Call 0800 717505.