Comments for Informed Choice Chartered Financial Planners in Surrey

Comment on How do I become financially fit? by Anonymous

Anonymous — Mon, 30 Jan 2012 15:56:00 +0000

Thank you for your comment and for spotting the typo. Corrected now!

Comment on How do I become financially fit? by Jacobs

Jacobs — Mon, 23 Jan 2012 08:42:00 +0000

SRART possibly the second letter rather than a second R should be Moneymaking

Mike

Comment on Informed Choice for IFA of the Year 2012 by Anonymous

Anonymous — Wed, 21 Dec 2011 21:14:00 +0000

Fingers crossed!

Comment on Are Investment Bonds suitable for care fees planning? by Guest

Guest — Mon, 19 Dec 2011 12:52:00 +0000

If you’re elderly and in a care home, why would you want to have the money that’s funding your care put at any investment risk?

Comment on Where will the FTSE 100 end 2012? by Anonymous

Anonymous — Mon, 19 Dec 2011 10:57:00 +0000

These predictions are utterly pointless but, to avoid being seen as some kind of Scrooge my answer is – Somewhere between a 30% fall and a 20% rise – i.e. between 4000 and 6500 – just depending on how bad the global recession is and the timing of the Euro collapse (once it happens I expect the markets to recover as the uncertainty of the timing isn’t helping). There is now no chance that the Euro breakup will be able to be managed smoothly – there probably never was.

Comment on Who wants to be a millionaire? by John Coggins

John Coggins — Mon, 05 Dec 2011 09:18:00 +0000

Good point, I watched this programme and thopught the £36,000 a year sounded somewhat small for that amount of property.

Comment on Is Green Oil ever a good investment? by Poul Morgan

Poul Morgan — Wed, 16 Nov 2011 16:09:00 +0000

Good article as usual Martin. I was asked by an ex IFA friend to look into a green oil investment run by a company called Carbon Credited Farming PLC (They’re now called Sustainable Agro Energy) making similar fantastic growth claims. Their first year accounts were finally published recently over a year late showing a loss in excess of £4m! which was actually the amount people (some would say idiots) had invested with them. The accounts were qualified by their accountants also. Their next set of accounts were due in September and guess what? They’re late too! But I know some people who are still going to invest! Madness!

Comment on HSBC, redundancy & backups by Anonymous

Anonymous — Fri, 04 Nov 2011 16:28:00 +0000

This, teamed up with the issues people experienced with Blackberry not so long ago should confirm that everyone needs a backup / redundancy plan when it comes to technology.

Shame that a massive system can go down. You would have thought with the money and resources they have available they would have considered a fool-proof redundancy plan..

Comment on Getting tough on structured products by Anonymous

Anonymous — Thu, 03 Nov 2011 07:44:00 +0000

Thank you for your comments.

I agree it’s important not to generalise, although with the majority of structured products representing excessive risks to cautious retail investors, there is a high chance of one of these being inappropriately recommended.

Regardless of the collaterisation, counterparty risk is only one of several risk factors associated with a structured product. Any financial instrument attempting to deliver high returns for low risk must be transferring the capital risk to another type of risk.

Comment on Getting tough on structured products by Kaiyeutang

Kaiyeutang — Thu, 03 Nov 2011 01:06:00 +0000

In general I would agree but perhaps it is slightly too broad a statement? Take for example a straight defined income plan
100% guaranteed product with full UK government bonds posted as collateralisation? If it yields above 5% then would you still find it inappropriate for a cautious investor?

In general I find the FSA review most helpful but potentially they misrepresent the diversity of products and levels of protection available…