mick43 Posted November 1, 2012 Share Posted November 1, 2012 Hoping to tap in to the vast knowledge of 350Z-UK (and I believe there may be a few Financial advisers here.... Looking at options to take an early release from work, and if my investments on top of company pension can give me sufficient income... I've been in touch with a couple of advisors, who have the same proposal at top level, which is:- Keep cash and share ISAs as is - as most tax efficient - and shopping around, and/or giving them ISA ownership should realise circa 4.3% at this time. This would be approx 1/3 of my funds. The other 2/3rds put in an 'investment bond' - where my risk would be a balanced portfolio - giving medium risk. What I can't get at the moment is a clear expectation, say an average per year, or over 5 years what performance I would expect (% gain/loss). I know now I can take 5% tax free each year, but there's a 1.5% management charge (both cases) and I need a couple of % to increase bond to protect against inflation. Is 8-10% growth realistic at this time ? (and say next 5 years) or is this super optimistic ? Many thanks in advance for any pointers... of course the value can go up or down ! Quote Link to comment Share on other sites More sharing options...
Whazza22 Posted November 2, 2012 Share Posted November 2, 2012 My father runs his own business as a Professional Mortgage and Insurance Advisor. If you need any advise then you can contact him on 01392 876531. His name is Paul and his business is Wear Insurance Network. 👠Quote Link to comment Share on other sites More sharing options...
glrnet Posted November 2, 2012 Share Posted November 2, 2012 PM Sarnie Quote Link to comment Share on other sites More sharing options...
Sarnie Posted November 2, 2012 Share Posted November 2, 2012 PM Sarnie Thanks for that but I'm primarily a Mortgage Broker. The OP needs a dedicated IFA Quote Link to comment Share on other sites More sharing options...
glrnet Posted November 2, 2012 Share Posted November 2, 2012 Quote Link to comment Share on other sites More sharing options...
Whazza22 Posted November 2, 2012 Share Posted November 2, 2012 As posted, any problems contact my father as he deals with everything from insurance, mortgages, loans, wills, isa's etc. Basically anything financial. Cheers Quote Link to comment Share on other sites More sharing options...
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