Nike Mag Custom

Nike Mag Custom

Mistakes can be avoided by finding a good adviser who you trust and who will be more than happy to discuss the pros and cons of any apparently wonderful opportunity that comes along. "These are also selling in huge numbers to bank customers receiving poor income on their savings and seeking something better. Investment bonds are developed by insurance companies, sold by high street banks and can hold several different types of investments. But they are frequently sold to people who don't need, want or understand them by bank advisers on generous commission who fail to fully explain the risks.

Nike Mag Custom

Nike Mag Custom

Nike Mag Custom

Nike Mag Custom

Nike Mag Custom

Nike Mag Custom

Typically, returns are reliant on the performance of a market index such as the FTSE 100, eg you will receive 6 per cent a year for five years as long as the index is above its original level at the end of the term. "In other words, it could be a good deal but investors need to be aware that if the "condition" isn't met, their income and capital could be reduced. Smith added: "In most of these cases the golden rule is that if the deal looks too good to be true, then it probably is. Nike Zoom Ascention Green

Nike Mag Custom

Structured products many of which have a useful role to play for some investors typically offer some exposure to stock market growth while protecting capital. But the risks are not always made clear, noted Derek Smith, director at IFA Melville Hutchison in Edinburgh. He said: "Caution should be exercised as investors tend not to see the strings attached behind the very attractive headline rate.

´╗┐the last 20 years alone, with PPI following where endowment mortgages, personal pensions, split capital investment trusts, precipice bonds and others left off. And that's without mentioning Equitable Life. In their own right, most of those products have their place, making it harder to clamp down on mis selling. But as millions wait for PPI compensation likely to top 6 billion in total, commission hungry sales staff and advisers continue to flog products and services by Nike Zoom All Out Black

Nike Mag Custom

Elderly savers in particular are being sold investment bonds that are not only too risky for them, but tie them in for inappropriately long periods. Paul Lothian, Nike Mag Custom chartered financial planner at Verus Financial Planning, said: "I have seen onshore investment bonds, which are taxed investments, sold to non taxpayers. And the bonds, which pay the banks up to 7 per cent commission, generally have early encashment penalties, often as high as 10 per cent in the first five years. "These facts are insufficiently explained to investors, and while they will appear in key facts documents, we know that most customers don't read these things. "These are the new kids on the mis selling block, believes Andy Cumming, managing director at Scott Moncrieff. Pension loans allow those in need of cash to borrow up to half the value of their fund by moving their mon.

being economical with the truth and short on moral scruples. Beloved of high street banks and building societies, these are selling like hot cakes as branch staff exploit demand for alternatives to the rock bottom returns on savings accounts. Nike Dunk High Premium

Nike Mag Custom

Nike Mag Custom

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