You cannot go to the Nike and buy runners direct off the factory floor. You can go to the Nike store but there is a mark up that the store gets. Life companies do the same. If you go direct, you get the direct sales people who work off commission. Or you can go to an advisor.Hi I want to put the child benefit for 2 kids into Zurich Dynamic fund for 20 years. What's the cheapest way to do this?
You would assume going straight to Zurich but I have heard that brokers get commission and can pass some of this to the customer, so going through a broker could be cheaper?
what did you go forThat website is very 'straight to the point' and looks like a good deal. I might go with that. Thanks!
I actually phoned Zurich a couple of times about this and the same guy on the other end was so rude.
I recently opened a child investment account with Moneycube by way of a Baretrust. I'm happy with this decision and funds will be invested in a vanguard high equity fund from standard life for the next 18 years.Hi I want to put the child benefit for 2 kids into Zurich Dynamic fund for 20 years. What's the cheapest way to do this?
You would assume going straight to Zurich but I have heard that brokers get commission and can pass some of this to the customer, so going through a broker could be cheaper?
What's the annual management charge on that? From what I read, any of the non Zurich funds such as vanguard have an extra fee on themI recently opened a child investment account with Moneycube by way of a Baretrust. I'm happy with this decision and funds will be invested in a vanguard high equity fund from standard life for the next 18 years.
I'm gonna go for Zurich Dynamic. If you compare the historical return with Irish Life MAPS 5, my current fund, Dynamic is miles ahead, although past returns are not a predictor etc.what did you go for
I presume that neither of these is a passively managed index tracker? That being the case, I wonder how each compares to an appropriate index?I'm gonna go for Zurich Dynamic. If you compare the historical return with Irish Life MAPS 5, my current fund, Dynamic is miles ahead, although past returns are not a predictor etc.
are you aware of the feesI'm gonna go for Zurich Dynamic. If you compare the historical return with Irish Life MAPS 5, my current fund, Dynamic is miles ahead, although past returns are not a predictor etc.
thought they were higherfees 1.3% annually?
Since inception, Zurich Dynamic, the top line here in the data, has performed better. Over the last 10 years, S&P was better.I presume that neither of these is a passively managed index tracker? That being the case, I wonder how each compares to an appropriate index?
I'm paying 1.5% to access the same fund. This looks good to me too. I've filled out the request info section on the website.Have a look at this and see if it meets your needs.
Invest And Save | Zurich Life Savings Plan | Republic of Ireland
Zurich Life Savings Zurich Life Child Savings Zurich Life Investments Low Cost Prisma Funds www.InvestAndSave.iewww.investandsave.ie
It's run by Gerard Sheedy who post on here now and again.
fees 1.3% annually?
I presume that neither of these is a passively managed index tracker? That being the case, I wonder how each compares to an appropriate index?
thank you for clarifying that. when I replied to the zurich rep asking about those fees and charges I got no response at all!The costs quoted above (in the excerpts from the Key Investment Document (KID)) like 'One-off, Entry, OOCs, PTCs are indicative of the worst version of the product that you could buy on the market.
AMC can vary from 1% to 1.85%, depending on where, from who you buy the product and the service you want.
Gerard
www.SaveAndInvest.ie
ger, if you could pick one fund, what would it beDynamic has an an indicate equity range of 75% - 100%.
Last quarterly asset spilt was/is 94% Equity, 5% Bond and 1% Cash.
You'd have to know the asset splits over all periods to compare it to the equity, bond and cash indices in those periods.
Gerard
www.SaveAndInvest.ie
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