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Any opinions on Lloyds Account?

My son has some money to invest and is considering the LLoyds Capital Protected Fund 20 after a meeting with his bank manager. I must say it doesn't appeal to me, if you do need to take the money out for some unexpected reason, you could be out of pocket, plus the up front charges seem quite high. Any thoughts would be appreciated, or alternative investment.
http://www.lloydstsb.com/capital_protected_fund_isa.asp

Comments

  • opinions4u
    opinions4u Posts: 19,411 Forumite
    edited 23 October 2011 at 4:37PM
    The web page you link us to is 2 years out of date.

    But as a rule, bank sold investments are a bad idea. See an IFA.

    Bank sold structured investments are also (usually) a bad idea.
  • Totally agree with Opinions4u. Don't trust banks with investments, use them for savings and current accounts only. When it comes to investing they are the last place to go to.
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