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  1. #41

    Nervous Newbie


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    Really useful and helpful stuff, just wishing I'd read it before having a review with IFA, I'm sure I'm not the only one.

    Have read fully, and also the links so much appreciated for this stuff. A bit annoyed with myself but I'm thinking not too late to salvage something so wanted a bit of advice if ok. I've already had a review, and if fairness it's been pretty useful with recommendations and makes sense. However the fees are hefty imo, around 4% first year, works out around 4k, then annually 0.5% which is in line with others, and on the face of it given my knowledge seems ok, until you realise how much it will be.

    I can back out before Thursday, but will still have to pay just under a 1k for the advice and review, seems harsh but I knew and agreed to it, but I'm thinking do I just go ahead for now, as I'll get the pension transfer, a decent looking fund and then can can the 0.5% once I'm a bit more savvy. Or just pay the 1k, use the info they've gathered and do it myself via II?

    Cheers

  2. #42

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    Fred Bloggs's Avatar
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    Quote Originally Posted by caigab View Post
    Really useful and helpful stuff, just wishing I'd read it before having a review with IFA, I'm sure I'm not the only one.

    Have read fully, and also the links so much appreciated for this stuff. A bit annoyed with myself but I'm thinking not too late to salvage something so wanted a bit of advice if ok. I've already had a review, and if fairness it's been pretty useful with recommendations and makes sense. However the fees are hefty imo, around 4% first year, works out around 4k, then annually 0.5% which is in line with others, and on the face of it given my knowledge seems ok, until you realise how much it will be.

    I can back out before Thursday, but will still have to pay just under a 1k for the advice and review, seems harsh but I knew and agreed to it, but I'm thinking do I just go ahead for now, as I'll get the pension transfer, a decent looking fund and then can can the 0.5% once I'm a bit more savvy. Or just pay the 1k, use the info they've gathered and do it myself via II?

    Cheers
    You just gave the answer there in the last line. Write off the GBP 1k as the cost of inexperience. It seems you have around GBP 100k to invest, making II a very good choice of platforms.

  3. #43

    Nervous Newbie


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    Quote Originally Posted by Fred Bloggs View Post
    You just gave the answer there in the last line. Write off the GBP 1k as the cost of inexperience. It seems you have around GBP 100k to invest, making II a very good choice of platforms.
    Cheers Fred I suspected as much, appreciate the reply.

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