Drop in well paid using IFA's

jem16

2010 wrote: »

With-profits bonds sold to pensioners have paid less than 2pc for TEN years

What's your excuse for making a bad decision then?

Perhaps you should have chosen the Pru instead of Aviva when you did your research.

Among the stronger offices, only the Pru, with a 4.5 per cent annual return over the past ten years, has beaten the return on risk-free, fixed-rate bonds.

2010

jem16 wrote: »

Actually I have. I have the same Portfolio Bond, albeit not in With-Profits. However the T&C cover all types of funds.

Current literature on the Portfolio Bond. ( mine is the same but I don't have an easy way of uploading them to the site)

Aviva Portfolio Bond.

Do read the Annual Management Charges section.

Also;

Aviva Portfolio Features

Click on the tab for Figures.

Now I'm sure you would like to PROVE that you had a Portfolio Bond that Aviva (CGNU) chose not to deduct any annual management charge from for 5 years.

Stop waffling and PROVE I still had to pay management charges after year 5.
The onus is on you, you`re the one who says you KNOW that I did.

2010

jem16 wrote: »

What's your excuse for making a bad decision then?
Perhaps you should have chosen the Pru instead of Aviva when you did your research.

Seems I made a really good decision as mine turned out to be one of the best performers and the article also reinforces what I`ve said all along, that I could have done better just putting the lump sum into a risk free fixed rate savings account.

Get the flannel out.

jem16

2010 wrote: »

Stop waffling and PROVE I still had to pay management charges after year 5.
The onus is on you, you`re the one who says you KNOW that I did.

All bluff and fluster and no substance.

If you could disprove what I'm saying and showing with current links, you would be doing so in a shot with great glee.

gadgetmind

2010 wrote: »

Stop waffling and PROVE I still had to pay management charges after year 5.

No-one has to prove anything as we're not in a court of law.

No, here we just go on balance of probabilities, and credibility of witnesses.

<puts on long wig and picks up gavel>

2010

jem16 wrote: »

All bluff and fluster and no substance.

If you could disprove what I'm saying and showing with current links, you would be doing so in a shot with great glee.

More waffle, you can`t prove it.

You`re the one with time on your hands to go trawling back through the years.(as you`ve already done)
I`m sure you`ll eventually find it, so I`ll wait with bated breath for you to put it on here.

I`ll get the flannel ready. :rotfl::rotfl:

Lokolo

2010 wrote: »

More waffle, you can`t prove it.

You`re the one with time on your hands to go trawling back through the years.(as you`ve already done)
I`m sure you`ll eventually find it, so I`ll wait with bated breath for you to put it on here.

I`ll get the flannel ready. :rotfl::rotfl:

You're the one who thinks you are right about everything. Yet when Jem comes on with information and you say it's "wrong you can't prove anything" yet you cannot come up with anything to counter it?

That surely just means Jem is correct?

2010

gadgetmind wrote: »

No-one has to prove anything as we're not in a court of law.

Of course we`re not, we`re on the racetrack

---

remember.:rotfl:

2010

Lokolo wrote: »

You're the one who thinks you are right about everything. Yet when Jem comes on with information and you say it's "wrong you can't prove anything" yet you cannot come up with anything to counter it?
That surely just means Jem is correct?

I KNOW what the T&C were for my bond but he knows better, so let him prove it,the onus is on him.

I can`t wait, I`ve got the flannel ready.

jem16

2010 wrote: »

More waffle, you can`t prove it.

I have shown that the Portfolio Bond has a higher annual management charge from Years 1 to 5 which then drops to the normal annual management charge from Year 5.

Now until you show us all that you have a special financial product with no annual management charges, then I doubt you will have any credibility on this board. (if you ever had in the first place)