Top Ten Tips: Getting the best advice
News from Scotsman:

WITH the economy still shrouded in uncertainty and household finances stretched, there has never been a more important time to get financial advice to ensure that your savings, pensions and investments are in order. Graeme Inglis, director of central Scotland-based Create & Prosper Financial Services, shares his top tips on the key issues to bear in mind when taking professional advice.

1. Annual management charges

The AMC is usually disclosed as a percentage of the fund value. You should know exactly how much the AMC is and where this money is going. Within many investments, the fees for the product provider, fu

nd manager and financial adviser are bundled together – and even purchasing investments through a stockbroker without taking financial advice may involve bundled costs. Be aware of these costs and ask for a breakdown if necessary.

2. Initial charges

Many funds st…………… continues on Scotsman

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