what is this, a big quiz for a prize?
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Bad beat/Moaning/Venting thread - Mammy told me not to come.
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sorry psv
Originally posted by V for Vendetta View PostThey actually don't have to offer a choice at all. Generally they do and generally a passive equity option would be one of them but they don't have to.
This wouldn't be a JLT consultant via the ISME/Zurich pension scheme perhaps?
Zurich have passive funds available via Blackrock on their platform. (For example) However, Zurich make more money via their own funds which are all actively managed. Therefore they have an incentive to offer a restricted fund range where 99% of the people don't know any better and the employer isn't very engaged.
My employer offers a DC master trust with passive equity funds (and some active DGFs and blends) and 100% allocation etc but we explicitly charge for access (to the employer) and provide quarterly investment oversight, Trusteeship, audit, Annual report, statements, member counselling etc for the fee.
However, nobody is beating a path to our door as it doesn't provide commission (to pay us) and instead the employer has to explicitly pay for the service and the member gets the benefits through lower management fees and a better product over the long term with no conflicts of interest baked in.
This is the key issue with corporate pensions that the ultimate beneficiary isn't making the decision on the savings vehicle but is instead focused on just making the employer contributions and no more.
As for a "pensions consultant" not knowing you can get a 100% allocation PRSA
so he doesn't know what he's selling?
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Discovered that one of the products I made is in Blade Runner 2049, pretty sweet as I love the film so much. It's a secure ruggedized device mostly for military/intelligence agency and disaster relief communications so it even fits why it is there.
No idea how they got their hands on it but good to know it'll still be kicking around in 31 years. Thing with silver handle right of harrison ford:
Last edited by Tar.Aldarion; 10-01-18, 16:17.
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Originally posted by oleras View PostI got a €50 drone last week, flew it 3 or 4 times, crashed it a few times also but have been obsessed watching reviews on youtube. The footage these things capture is unreal.
I want to buy a proper one, either a Mavik or the Spark, someone convince me why i dont need it ?
This too shall pass.
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Originally posted by Denny Crane View Postsorry psv
My mistake. Actually I had another look at the list he gave me and the euro/world Blackrock funds are on it
so he doesn't know what he's selling?‘IF YOU had not committed great sins, God would not have sent a punishment like me upon you.” Genghis Khan
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Didnt work at all both games i tried. Fun idea thoLow fee Euro/UK money transfer, 1st transfer free through my referral
https://transferwise.com/u/bfa0e
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Originally posted by Flushdraw View PostSo, this new fad. You sign up and give your phone number. I read it's dodgy and glitchy as fuck. What's the experience so far? How do you claim winnings KK82? What transfer options do they have for receiving it?
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Originally posted by oleras View PostShirly cant be charged to receive a text ?His rival it seems, had broken his dreams,By stealing the girl of his fancy.Her name was Magill, and she called herself Lil,But everyone knew her as Nancy.
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Originally posted by CourierCollie View PostFeel like I should be doing something for David Bowies 2nd anniversary
https://www.youtube.com/watch?v=P4d8...Q6wDZMtM7Ixio5
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Originally posted by elbows View PostI’m out. Probably got charged a euro for the sms verifying code.Jayzus, Sheila! I forgot me feckin' trousers
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Originally posted by CourierCollie View PostFeel like I should be doing something for David Bowies 2nd anniversary
https://www.youtube.com/watch?v=P4d8...Q6wDZMtM7Ixio5
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Just watched Three Billboards...
SPOILERreally dragged as a story once woody departed, very hit and miss in parts, some great acting but a weak story overall, had me in tears though, was it a great film and bad movie ?
Enjoyable, in a glad i watched it and don't feel robbed of 2 hours.This too shall pass.
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