Rebecca_Tuck
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- Rebecca_Tuck
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Hi Colin - why can't it stay where it is?
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Lose my breath? Breathless? Poison? Toxicity? ...too dark??
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Hello I took it a couple of years ago and found it OK, in so much as I passed! I've only done level 6 exams with the CISI, so I can't compare it like-for-like to the AFs, but it was quite practical and (in the most part) was knowledge that y…
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Hey @Caro ! Not sure if you would now, but if you did have any example client reports drafted on Powerpoint I'd certainly be interested in seeing them! Plus, I'm always up for a natter.
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It's far from perfect, but I'm taking an average(ish) of the portfolio value over the last year. A lot of our clients are on Transact, so historical valuations are easy to pull off - for those, I go in monthly intervals back from the meeting date…
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Morning @Andy_Schleider, I'm also a member of both and sat the CISI pension transfer exam a couple of years back. I'm pretty sure there are no formal eligibility criteria, but it's expected that you'll have level 4 diploma of some kind before attemp…
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Hiya @Rcaisley , I'm also based in South Wales and, for me, it would depend on how far along the route to Chartered you are (3 exams? 1? Just good intentions?), as well as the type of experience you have - are you comfortable with all types of in…
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Hi @Jenni , Thanks so much! We have zero experience of Sharia investing here, so at the moment I'm just trying to establish what is/isn't within the realms of possibility to find a good place to start our research. Would I be able to give you …
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Hi everyone, That's a great help, thanks, Looks like we might need to trial getting involved from a technical standpoint initially, to double check what we're actually asking for and explain why, then the rest should (hopefully) be plain sailing …
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Hi Kim, I got one last year from the CISI with my CFP stuff, but it's for 2018/19 and I can't overwrite it! Still only on excel, but it had all the formulae in place for savings and divis etc. I'll log in tomorrow and see if I still have acces…
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Hiya, We've started using LifeQuote for our protection apps, which makes the process far easier! The only thing we do are the quotes, then when the client accepts the recommendations LifeQuote arrange a time slot with them to go through the wh…
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I love this place - 18 months later and this was the top result on my Google search. Thanks for the link @benjaminfabi!
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Hi @edevan5 I might be missing something (it's been a long day), but how are the reduction in yield figures calculated in your example (page 13)? I'd have expected the RIY figures to be higher than the ongoing charges to include any lost growth e…
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Hi Robbie, It's not the fanciest solution, but I've always just used a spreadsheet for the top 4! If you know the % gain on each fund, you can then sort high-low or low-high depending on what you're trying to achieve, and do a rolling total fo…
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Thanks Rich - It only has 10 segments (!) and the gains are massive, so ruled that option out fairly quickly! Good point re: the tapering. I'll play with the figures including the starting rate and see how it looks!
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We had a demo with Nucleus last week and the reporting did look really good - nice visuals, easily editable (particularly the past performance charts) and downloadable in various levels of detail dependent on your needs. I've not got a huge amount t…
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https://www.riskprofiling.com/WWW_RISKP/media/RiskProfiling/Downloads/Risk_Return_Summary.pdf
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@muppetonastick said: Hey Becca, Finametrica do a guide (called Investment Risk & Return Guide and Reports) with portfolios ranging from 100% defensive to 100% equity in 10% increments - It includes returns vs bank deposits, rises and falls, …
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Thanks for the replies everyone, there have been some great tips on this and I'm really grateful for all the help. Fingers crossed for progress!
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Hi Andy - I don't have one for Zurich but do have a one that does exactly what you're after for Transact! Unfortunately, IF arguments tend to be a necessity for things like this! If you wanted to message over the tiers and their relevant charges, I'…
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Bingo! @TomLloyd_Read - Octopus just confirmed everything you said, although I'm still having a bit of a nightmare getting any specifics out of them! Apparently, nobody can see what the original investment amount was pre-Fern, or what monetary amoun…
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I've racked my brain but I can't think of any problems with the plan from a technical point of view. Equally happy to be pointed in the right direction if anyone else can, though! You could have some issues practically. Most of our pensions are hel…
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Hi Aron, I've (hopefully) attached some calculations for "Joe Bloggs", plus the Transact illustration for comparison. Version 1 shows the full £200,000 investment and Version 2 has deducted the initial fees off the top to correct the ongoing char…
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Hi @arongunningham - I've had a play with a one-off investment of £200k, running the same info via a Transact illustration, and there's a couple of things I wouldn't mind checking with you? - it looks like there's a cell referencing error on the ou…
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I love a good spreadsheet, especially with input AND output tabs! Thanks for sharing - I will have a play, see what it spurts out compared to what we're currently doing, then feedback Side note: Do you use three-sixty? Your output looks incredibl…
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Hi Clare I live/work in Bridgend, so not too far away, and always happy to chat!
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For an initial high-level search, Fund EcoMarket gives a good overview of the ethical/SRI market and allows you to filter by various ethical styles as well as the usual sectors etc. http://fundecomarket.co.uk/filter
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Hi Richard, I've not done AF7, but did the CISI pension transfer exam last month and I would have calculated the max PCLS according to the formula on the later page. This gives PCLS of c. £59,037.90 and a reduced pension of c. £8,855.69, which then…
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Hi Richard, Thanks for the reply. For this client, if they stay in the scheme to NRA with their current reduced hours (25% of original) then they will lose 2 of their current 3 best years from the 10, which does have a large impact on their potenti…
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Hi Louise, sorry for the delay! So, we always charge for the cashflow build separately, regardless of what any future advice may then be. As far as getting the info you need from the adviser goes, what do they give you at the moment? We've re-jig…