Should I Appoint a Fund Advisor?

This is an ongoing job and your advisor should tailor the investments to your risk profile goals and needs. This is a full time job and normally entails an advisor fee of 0.25% to 1% deepening on the size and complexity of the management involved.

The performance of these bonds can vary differently depending on the funds that are chosen. For example, the Old Mutual Executive Investment Bond and RL360 Pims all have low-fee funds available, which can make a huge difference to the performance vs a higher fee fund.

Fund performances and factsheets are all available online and should be checked rigorously before purchase..