Thursday, April 12, 2007

Inflation - http://www.cso.ie/statistics/conpriceindex.htm

About the investment

* How does this product meet my needs?
* How long will I have to leave my money invested?
* What are the charges?
* How much would my investment need to grow each year to cover the charges?
* Can I withdraw some of my money?
* If I cash in early, what penalty will I pay?
* How much of money is actually invested in the first five years?
* How will I find out how my investment is performing?
* What information will I get and how often?
* Is there a guaranteed growth rate?
* what will my fund be worth if I withdraw it in 5 years assuming there is no change in the share prices in that period

About risk

* What are the main risks with this investment?
* Is my original investment guaranteed?
* Is there any guaranteed growth on my investment?

About charges for financial advice

* Are there charges for your advice?
* Are they one-off or yearly charges?
* Do I have to pay fees if I don't take up your recommendation?
* If I don't have to pay a fee, do you get commission for the products you sell?
* Do you offer a choice of a fee-based service, a fee-based service with a refund of commission, or a commission only service?

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