arongunningham
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- arongunningham
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Do you use CashCalc? They've got one now
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Our company are using something called BigHand... don't know much about it though
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Vanguard - LifeStrategy 20% Equity
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Great, thanks. I was sure it was that, but I don't think I've every actually seen it written down anywhere
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My understanding is that the VAT exemption is an 'ad-hoc' deal that Ireland have provided to entice investors. It's unrelated to Brexit but the feeling is that the chances of the offer being withdrawn will be increased.
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Like a discount you mean yeah? I'd go for 0.48% per annum.
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CII text book and maybe book a course for a day.
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Mr. Codepotato has just released: www.filehaven.co.uk Might be worth a look?
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Enable should be added to your comparison. Not sure how good it is or anything, but should be looked at.
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bookmarked. Thank you.
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I asked this question to another provider yesterday, the question being on IOM vs Ireland. What struck me is that the SLI email mentions UK a lot, and IOM is also not in the UK: Standard Life International are Only Based in Dublin . They have …
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perfect, thank you
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How about the same question but in reference to Offshore Redemption Bonds (Ireland) - before Brexit screwed everything?
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What's the textbook answer to the question of diversifying asset-classes across product types? Sally has Global Equity ISAs and Fixed Interest Pension - this is probably OK altogether, but do CII want diversification in each product?
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Yeah. I think you should be able to specify 'guaranteed - level' or 'guaranteed - increasing'
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because it's age-costed? I did a quote recently showing AIG is best level premiums (best as in the lowest cost) If you use The Exchange I'm pretty sure it mixes level with increasing premiums - you can specify guaranteed but that's a misnomer,…
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Maybe just take a look at the advantages and discount them one -by -one: https://www.oldmutualwealth.co.uk/Adviser/literature-and-support/knowledge-direct/investments/bonds/offshore/advantages-of-using-an-offshore-bond/
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I think the reason there aren't tonnes of job adverts for outsourced, is because most are self-employed. However, I think the best place to try for outsourced paraplanners with home working (most of the big ones are office-based i think) is the T…
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My understanding is you're testing what's in the kitty compared the £1.15m you've used in the example.
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oh right. If I have a SIPP with 'retail' OEICs in - Fundsmith Equity, let's say. I can't claim £50,000 if Fundsmith go busto?
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Right, the question is FUBAR
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Tax relief is based on the pension holder's circumstances , isn't it, not the contributors?
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I have adopted my aggregated charges disclosure to include a RIY calculator for the 'effect of charges' section. I have cross-referenced it with FE Analytics, so I am also a supporter of using FE Analytics - it's a free module if you have a licen…
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this is an interesting read: https://www.yodelar.com/insights/st-jamess-place-charges I had a potential client say they'd seen an SJP adviser as well as me, I had delight in sending them this and saying our initial fees work out to be 0.6% and th…
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Those imaginary clients always find themselves in complicated situations
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@benjaminfabi It is a Civil Service Pension and Teacher's Pension Scheme. It would be nice to have it written down somewhere so I can show them it's ok.... pruadviser to the rescue?!
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Yes
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There's no need to look ahead (like you would ex-ante) based on the charges from the year before? If that's right, you are able to make aggregated tables synonymous with the effect of charges tables, unlike ex-ante where I am projecting years ahe…
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I failed by 1 and didn't bother because I was told rarely are the marks amended. The score isn't out of 100, so i think the pass mark is still 65%. Funnily enough, I scored 100 the next time round and didn't correct people when they were amaze…
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So the difference between ex-post and ex-ante will be there's no 'illustration' per se with compounding growth with and without the charges applied. Does that table double-up as your aggregated charges disclosure table too?