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I would have thought that if the brochure or any marketing literature holds out that the return was linked to the EuroStoxx 50 (as opposed to a hugely bastardised version of it) the parties who promoted it are well in the firing line. This would be particularly so for any investment advisors who...

Got it in one Brendan

To reply to an earlier question I understand that a very high proportion of BCP's structured products have paid out / avoided blowing up (those with 'soft' capital protection). Now it has to be acknowledged that they have had a fair wind at their backs in terms of markets. But the decrement...

"I don't have an adequate conceptual framework for handling shorts" (Colm). This is the most profound statement on the whole thread. In my opinion and experience very, very few people do. Including people who know quite a lot about investment markets and who have a high risk tolerance and capacity.

I am very very late into this and my suggestion will be not much help to those leaving Campbell O'Connor. Those looking at a low-cost online broker should look at Saxo.....I have had an account with them and find them quite good, and very keen on charges. I Like BB I am basically a 'buy & hold'...

No problems with Saxo to date. Not used very heavily but like what I see.

I don't buy the distinction between the return from dividend and capital. If a company can reinvest free cash flow at a good enough rate of return I would not want them diverting it into dividends or buy-backs. I do have a general preference for companies which pay a reasonable dividend if for...

The withdrawal of 'income' from unit-linked (life company) funds is predominantly a return of capital in the early years.This may be a tax angle worth looking at. Appreciate that Exit Tax is out of line with CGT and not that much lower than marginal rate of IT. In a world where the return juice...

The risk indicator is in the context of a 7 year investment horizon. No - based on five year data, as are the potential returns being shown. It is absolute nonsense: both need to be based on longer time horizons if indeed any potential future returns (or past ones for that matter) should be shown.

Yes, the PRIIPs regulations which were supposed to bring the nth degree of transparency to charges has failed, and fairly miserably. It required the regulator to be very prescriptive - the life companies have interpreted what is required in different ways, with even those going the same route...

I am joining this late, but this earlier posting from Brendan Burgess nails it: Duke says he is not opposed to them. I am because few consumers could possibly understand their complexities. And those who do would never invest in them. I have worked in developing financial products and would...

The major plus as regards companies which continuously pay meaty dividends is that it imposes a huge discipline on management. Generally prevents them from making stupid acquisitions and encourages them to deploy capital sensibly. I would bet that companies which are committed to paying and...

That is excellent Gerard

I was certainly not talking Colm or anyone else down - just disagreeing profoundly with Eamon Porter and the 100% equity policy for ARFs. If you have a very strong risk appetite and enough in the ARF or outside it not to be concerned about running out of money, no problem - you will almost...

The point about depleting funds and volatility is very, very basic. It concerns the mathematical interaction of market falls and rises on a fund which is depleting. A fund which is neither added to or suffers withdrawals gets the market return whatever the pattern of returns. In any pattern of...

I disagree profoundly with Eamon Porter's advice that ARFs should be 100% in equities. Only investors (ARF or otherwise) with a very strong risk tolerance should ever be 100% in equities. Even where the person has the risk appetite I believe such a strategy really only suits people with long...

Obviously if the level of growth was higher the PEP would win hands down. I have not reworked Brendan's calculations but I would be confident that if the return assumption was lowerthe PEP would not win out. If the fund is invested conservatively, growth for the next number of years might be...

Consensus Joey Like Brendan I find focussing on a single unit-linked fund curious but putting that to one side: - the uplift from the annual management charge to a properly calculated TER would be very small: for a very big fund like Consensus the uplift would be 2/3 bps - I find...

To take issue with Rory's post on the subject, the tax advice I have received is that some US-domiciled ETFs are taxable under CGT while ohers fall under the funds tax regime. Those structured as unit investment trusts are taxed under CGT: the bad news is that these are a minority but the good...

I agree that the figure for cases upheld very substantially under represents the favourable outcomes which arise via the FSO,though I am still quite disillusioned by my experiences in some cases I have worked on.Yes in many of these cases the provider has essentially admitted that they were in...