I think you mean "salesperson"?FA from BOI
That product is from 2016Interesting I spoke to a FA from BOI and he mentioned going for Dynamic 95 (95% is protected) protected bond. But estimates are not great. Likelihood of only getting back protected amt is 41%. this is the latest version
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These bonds can be fairly convoluted and complex. If you're not 100% clear on how the bond works and how/if you will get a return, you might be best to leave it. Is a simple unit fund out of the question for you - diversified investment with known charges. In general, it should keep you ahead of inflation at a minimum, for a long term investment.Yep just saw that and need to find the replacement scheme. Either way not sure if these schemes are really worth it, saying that leaving in a deposit account doing nothing is not great either
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