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Always worked for me in that order.

Happy Friday and thanks for everyone's inputs. So, my take from this is, 1, Pick a well diversified funds that hopefully will track the indices. They all roughly average out over time. 2, Get the lowest fees possible because no one's crystal ball works. Fees will have a major impact on my...

I understood from him that they were a well diversified mix. My funds are held in an SSAP at the moment. I sold my pension property so its all cash waiting to buy an ARF. He claims he gets zero commision from the company that holds that. That company charged me c. €3750 this year to hold it...

This is included in the 1.15% Sorry if this was not clear. I understood that there were more than just equities in his suggested basket of funds. Government bonds etc.

Ok Folks, An update. Met with my local agent and discussed things. Cut to the basics, He offered me a mix of four Irish Life funds. Retirement Portfolios 4 and 5 , Setanta Equity Dividend and Indexed World Equity. He said that these should make a diversified investment for my ARF. Over time it...

I will for sure. Thanks everyone for your help so far.

Thanks for that. I will see how I get on next week with my agent.

That is interesting. Thanks for posting the link. Do I need an agent to advise / implement the likes of the Aviva ARF? If so, what would be the expected fee?

Sorry, Sarenco I did not realise that that was a link. I will read it asap.

The funds you researched and hope to do well in the future. Is it not similar studying form with a horse?

So at the end of the day maybe 2% in total is not too far off the mark for a full honest declaration of fees. Fisher Investments are that plus a one off payment of .3% In fairness the Fisher guy did actually outline each charge and explained each as he went through them. Is it possible to choose...

Any I tried get uncomfortable discussing fees and try to gloss over them. Fees are a large %age out of my fund, considering I take say 4% and they get 2% annually puts it in perspective. In my own business, I always send an email after I do a deal outlining exact costs and what you get for their...

Lol. I'm trying to find the Welsh guy as long as the work is the same. Thanks Clubman. I understand that now. There is no crystal ball for the future. You have outlined the questions I need answered by prospective agents. I need to look at the actual fund contents and be happy with my choice...

The addition was my mistake.. but 1.5% obviously not in the ballpark.

Thanks Always This is the sort of info I will need. Yes, 2% is a bit of a joke for the gamble that it is. My lad quoted 1.25% when pushed .75% for him and .75% for the fund manager I think was the split. So he is being generous to himself. I will press him next week to divulge fully and give me...

Thanks for all the inputs and ideas lads. I have a meeting with my present agent next week to look at my options for an ARF. I asked him to have a quick look at an Annuity so I can see the figures for that also. I do not have any kids or dependents so it could be an option. I understand that I...

Thanks Dave, Clubman and Conan for your inputs, Dave, I see what you are saying. There are no guarantees on future performance so really, they cannot justify large fees for something they only hope to achieve. Yes I have sold the property and intend to invest the full amount of cash and rent...

Hi Clubman, Brendan and Dave. Thanks for your rapid replys. Fisher did not guarantee a return, they showed me a graph going from 1995 to 2022. It showed €1m invested in 1995 would be worth around €12m today allowing for inflation. Fees look to be 2% annually made up of 1.25% for portfolio...

Hi All I have hit the 65 mark so I need to look at investing my pension pot as I want to retire now. My cash funds are held in an SSAP that I used to buy, rent and sell a rental property in my pension. Just wondered if anyone has heard or used Fisher Investments in Ireland? They are claiming...