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Thanks for your input Duke. It's interesting to see another viewpoint on the credit risk issue. I'm assuming your an adviser and in your mind it does not exist yet its upper most in the thoughts and views of others on this.

Thanks again North Star and one final question if you don't mind. Where would the credit risk be with a typical fund, eg the popular GARs or BNY Mellon Global Real Return. Is it right to assume there is zero credit risk with managed funds and if so why is that the case ? Apologies if that's a...

Thanks so much Northstar for taking the time to post that. It's much appreciated. Can I ask in relation to credit risk does the same risk apply for example on the index tracker fund that I was also offered or on your average life company funds or is it different for them.

Hi Brendan, I think its quiet straight forward here what the likely combinations of outcomes are and that's why I'm considering investing. There seems to be an overriding bad feeling for these products which is far from my experience to date. Your saying you didn't see a catch but knew it was...

I know how much the adviser is making and I'm ok with that. This is one option broker has given me in response to me asking for European exposure along with Euro index tracker

I have exposure to property, US Stocks, FTSE and emerging markets. I've no bond exposure which is something I'm addressing also. I wanted European Exposure as my reading is there is scope for growth here but I'm mindful of a pull back in equity markets. Broker offered me a passive Eurostoxx...

I don't really get your point here cremeegg and apologies if I'm missing something. Why would nobody have protection in a down market if the product provides it. I don't see how difficult it is for a person to read a brochure where it says if the market falls by 50% your money is at risk and not...

Is that not an issue of adviser incompetence/mis-selling rather than a product problem. It does not take one of these investments to wipe out a vulnerable clients capital base and would having protection in a down market not protect against this.

Cant see a way to attach a PDF. Steven I note you did in one of the posts. Can you advise on the method

Only on phone so will try tomorrow

No that's wrong, 10% is the return if the 4 stocks drop by up to 14.99% accumulating by 2.5% every quarter after year 1 so plenty of kick out options. The fees and broker commission don't impact on the 10% other than if they did not exist the coupon would be higher but then there would be no...

Only in a scanned PDF from broker. I'll see if I can attach later when at home.

Have read BCP's reply to Rory's post and they have fairly and convincingly kicked his analysis out of the park in my oponion. My adviser tells me Societe Generale were looking for a retraction. The reply was sent to the broker community months ago. On Kick Outs I'd be interested to hear some...

Hi Duke, I understand there is a risk to some capital but my thinking was there is also risk in the typical fund approach. In this approach if 'markets' go up I'm getting a return. If they go down I can also make a return and unless it's a huge drop my capital is protected. If I go fund based...

That's interesting Duke. I will follow up on this. North Star the last bond I mentioned is the Blackbee Market Tracker(started Oct 15). I know the gold one is with them as well and I'll dig out the full titles of the others when I'm at home

Hi Steven, The fee that was paid to the advisor and provider on each of these was between 4 to 4.5% with a roughly 50/50 split and this was made very clear up front. I have no problem with that and when I queried the impact of these fees on the investment the advisor told that if she and the...

Tried to post earlier but it seems my post breached guidelines. I will try and summarize my experience of kick out bonds etc in a different way so as not to breach guidelines again. I've had good experience with them. I currently have personal investments comprising 1) Passive Index Trackers...

I have looked at this a lot recently and ended up with a Self Directed fund with Friends First. They have platform with Cantor Fitzgerald which allow access to lots of ETFs. I pay 0.4% per annum to Friends First. Got 100% allocation and I'm currently in The Vanguard Total World ETF with a TER of...

Hi There, I'm looking at my pension fund options after making a deposit to my fund that's currently sitting in cash. I was looking at the Davy GPS funds and came across this section in the brochure on fees and charges and I'm wondering is this normal across all funds as I cant find a similar...

As a slight aside what's the tax treatment on corporate investments. Is it dependent on the investment choice, i.e if its a life fund then gross roll up, something taxed under CGT regime or is it non trading rate income at 25%