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Search: Posts Made By: johnjonesnine
Showing results 1 to 35 of 44
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Forum: Middle East
16th Jul 2019, 13:07
Replies: 148
Views: 189,816
Posted By johnjonesnine

Their website says that “We are a British Owned,...

Their website says that “We are a British Owned, Hong Kong registered group, with the bulk of the operations in Mainland China and with satellite offices across Asia.”

So, although the company is...
Forum: Middle East
15th Jul 2019, 09:20
Replies: 148
Views: 189,816
Posted By johnjonesnine

Have you more information? What sort of company...

Have you more information? What sort of company is this? Do you have a link?
Forum: Middle East
11th Jul 2019, 13:22
Replies: 148
Views: 189,816
Posted By johnjonesnine

Guardian Wealth Management have been hammered in...

Guardian Wealth Management have been hammered in Qatar:

"Qatar Financial Center Regulatory Authority (QFCRA) has banned directors of an insurance brokerage company that is primarily involved in...
Forum: Middle East
6th Jun 2018, 06:43
Replies: 148
Views: 189,816
Posted By johnjonesnine

DeVere has made a whopping settlement of $8m with...

DeVere has made a whopping settlement of $8m with the Securities and Exchanges Commission in the United States:...
Forum: Middle East
31st May 2018, 11:16
Replies: 148
Views: 189,816
Posted By johnjonesnine

I had a look at their website. I always...

I had a look at their website.

I always think it's odd when the "About us" section of a website gives no information about the owners or management.

It also looks as if they are not regulated...
Forum: Middle East
15th Apr 2018, 06:29
Replies: 148
Views: 189,816
Posted By johnjonesnine

I think you have been writing to the wrong...

I think you have been writing to the wrong jurisdiction.

This correspondence seems to be with the authorities in the Channel Islands, but Zurich International Life Ltd is an Isle of Man company:...
Forum: Middle East
12th Apr 2018, 07:21
Replies: 148
Views: 189,816
Posted By johnjonesnine

Hi There is no point in going to the DFSA, they...

Hi
There is no point in going to the DFSA, they do not regulate Nexus in Dubai. According to Nexus' website "Nexus Insurance Brokers LLC- regulated by the UAE Insurance Authority under registration...
Forum: Middle East
11th Apr 2018, 06:47
Replies: 148
Views: 189,816
Posted By johnjonesnine

Hi Sameralzaim Sorry to hear about your...

Hi Sameralzaim

Sorry to hear about your difficulties with Zurich International Life (ZIL).

You say that the policy was sold to you 12 years ago - that would make it 2005, yes?

I ask because...
Forum: Middle East
30th Jan 2018, 12:22
Replies: 148
Views: 189,816
Posted By johnjonesnine

Rogue financial adviser convicted by Dubai court...

Rogue financial adviser convicted by Dubai court in landmark case!
A step in the right direction.
...
Forum: Middle East
24th Jan 2018, 05:20
Replies: 148
Views: 189,816
Posted By johnjonesnine

I am an EU citizen and I am most comfortable...

I am an EU citizen and I am most comfortable investing in Euro denominated and EU based stocks.

I have used Internaxx for several years and so I'm wondering what your reservation about them is?
Forum: Middle East
21st Jan 2018, 11:56
Replies: 148
Views: 189,816
Posted By johnjonesnine

Yes, I highly recommend Hallam.

Yes, I highly recommend Hallam.
Forum: Middle East
16th Jan 2018, 11:14
Replies: 148
Views: 189,816
Posted By johnjonesnine

That post makes no sense. Financial firms do not...

That post makes no sense. Financial firms do not employ fiduciaries, rather the firm itself may, or may not, have a fiduciary duty to its clients.

Are you a shill?

Regarding AES, their website...
Forum: Middle East
7th Dec 2017, 06:29
Replies: 148
Views: 189,816
Posted By johnjonesnine

Sorry to disagree with you, but you couldn't be...

Sorry to disagree with you, but you couldn't be more wrong.

The major flaw with these plans is not the BS returns that you are promised. The major flaw is what you are not told, which is the level...
Forum: Middle East
6th Dec 2017, 13:19
Replies: 148
Views: 189,816
Posted By johnjonesnine

Your friend's plan is a really bad plan, based...

Your friend's plan is a really bad plan, based either on poor advice, or poor product knowledge.

Cash in the plan and walk away - chalk it up to experience, unless your friend is in a jurisdiction...
Forum: Middle East
22nd Nov 2017, 07:19
Replies: 148
Views: 189,816
Posted By johnjonesnine

All correct - but I think it understates the...

All correct - but I think it understates the costs!

The disclosed fees of the underlying funds are often much higher than 1.8%, more like 2.5%. Advisers tend to promote higher cost funds,...
Forum: Middle East
22nd Nov 2017, 04:26
Replies: 148
Views: 189,816
Posted By johnjonesnine

Well, that is good, but employers do not have a...

Well, that is good, but employers do not have a fantastic track record in looking out for their employees best interests.

I am not referring to Mondial here, but I have come across situations...
Forum: Middle East
21st Nov 2017, 14:33
Replies: 148
Views: 189,816
Posted By johnjonesnine

Hi Flex I have to tell you to be extremely...

Hi Flex

I have to tell you to be extremely cautions - and I'm going to be brutally blunt - you know as much about financial services as I do about flying airplanes - nothing. While I don't dispute...
Forum: Middle East
28th Sep 2017, 07:18
Replies: 148
Views: 189,816
Posted By johnjonesnine

This is a slightly complicated response, but bear...

This is a slightly complicated response, but bear with me and I will try to explain some key market features.

There are two broad categories of insurance – life and non-life. Insurance companies...
Forum: Middle East
27th Sep 2017, 06:57
Replies: 148
Views: 189,816
Posted By johnjonesnine

Hi Ignore the value on the statements that...

Hi

Ignore the value on the statements that you are receiving, that is probably inclusive of the worthless Initial Contribution Period units. Send an email to Zurich and ask them for an encashment...
Forum: Middle East
3rd Jun 2017, 07:59
Replies: 148
Views: 189,816
Posted By johnjonesnine

Hi Dona Perhaps the first thing to do is...

Hi Dona

Perhaps the first thing to do is cancel any future payments so that the sum-at-risk is capped at the three contributions that you have made so far. You should contact your bank immediately...
Forum: Middle East
29th May 2017, 06:48
Replies: 148
Views: 189,816
Posted By johnjonesnine

It is reported by Bloomberg that DeVere is under...

It is reported by Bloomberg that DeVere is under investigation by the SEC in the United States:...
Forum: Middle East
30th Mar 2017, 07:41
Replies: 148
Views: 189,816
Posted By johnjonesnine

Hi Jet II I am referring back to your post...

Hi Jet II

I am referring back to your post #76. Apologies for the delay in getting back to you, I was laid low by man-flu!

I have tried to do some research into how much money Devere got paid...
Forum: Middle East
28th Mar 2017, 05:34
Replies: 148
Views: 189,816
Posted By johnjonesnine

Hi Jet II Thank you for your response. ...

Hi Jet II

Thank you for your response.

I will do some research and revert. But one question, what did you transfer out of? A Defined Benefit or a Defined Contribution scheme?

You say "I get...
Forum: Middle East
27th Mar 2017, 16:51
Replies: 148
Views: 189,816
Posted By johnjonesnine

Most of the more reputable advisers (and I...

Most of the more reputable advisers (and I appreciate that its not easy to tell the difference) will set up a QROPS on a fee basis rather than commission. They don't like to do it though, and they...
Forum: Middle East
27th Mar 2017, 08:07
Replies: 148
Views: 189,816
Posted By johnjonesnine

Some interesting press about DeVere and QROPS: ...

Some interesting press about DeVere and QROPS:


Exposed: the rip-off investment 'advisers? who cost British expats billions - Telegraph...
Forum: Middle East
27th Mar 2017, 07:41
Replies: 148
Views: 189,816
Posted By johnjonesnine

Let me ask you the same question, do you know how...

Let me ask you the same question, do you know how much DeVere took out of your pension pot when it was transferred?
Forum: Middle East
27th Mar 2017, 05:42
Replies: 148
Views: 189,816
Posted By johnjonesnine

Bear in mind the DeVere did not set up a QROPS...

Bear in mind the DeVere did not set up a QROPS platform for you - they wouldn't know where to begin. They sold you an off-the-shelf product manufactured by someone else. The only expense that DeVere...
Forum: Middle East
26th Mar 2017, 17:13
Replies: 148
Views: 189,816
Posted By johnjonesnine

Perhaps I have you wrong, but back at post 42 you...

Perhaps I have you wrong, but back at post 42 you said "I have had a QROPS with Deveres for almost 10 years" so I think its fair to assume that you are a DeVere customer, albeit not a regular savings...
Forum: Middle East
26th Mar 2017, 10:44
Replies: 148
Views: 189,816
Posted By johnjonesnine

If you believe that the scale of the charges was...

If you believe that the scale of the charges was not explained to you then you may have been mis-sold the product and you should make a formal complaint to the Insurance Authority in the UAE. You can...
Forum: Middle East
26th Mar 2017, 10:20
Replies: 148
Views: 189,816
Posted By johnjonesnine

Jet II Clearly you do not think that it went...

Jet II

Clearly you do not think that it went wrong, but if after using the services of one of these advisers you are on a beach at 55 drinking Cerveza there is a good chance your adviser is in a...
Forum: Middle East
26th Mar 2017, 10:08
Replies: 148
Views: 189,816
Posted By johnjonesnine

transport jock I promised you a post about...

transport jock

I promised you a post about the Zurich Vista product and here it is, with apologies for the length of the post. This product (and others like it) are extremely complex, and they use...
Forum: Middle East
24th Mar 2017, 10:17
Replies: 148
Views: 189,816
Posted By johnjonesnine

Hi I'm travelling this weekend so it'll be a...

Hi

I'm travelling this weekend so it'll be a few days before I give you a detailed response - but I will.

Two questions:
1 Its the Zurich Vista product I assume? and
2 Can you post a list of...
Forum: Middle East
23rd Mar 2017, 18:54
Replies: 148
Views: 189,816
Posted By johnjonesnine

Hi Stag84 For the avoidance of doubt I...

Hi Stag84

For the avoidance of doubt I attach a below picture of an "offshore platform".

The term "offshore platform" is a meaningless term in financial services, but it is a phrase used by...
Forum: Middle East
23rd Mar 2017, 09:36
Replies: 148
Views: 189,816
Posted By johnjonesnine

Hi MacSheikh You say that your adviser is in...

Hi MacSheikh

You say that your adviser is in the UAE for the past 17 years - I'm assuming he/she came from the UK. At that time there were no educational requirements in the UK to be a financial...
Forum: Middle East
23rd Mar 2017, 06:35
Replies: 148
Views: 189,816
Posted By johnjonesnine

QROPS may be a good option for non-UK residents...

QROPS may be a good option for non-UK residents who intend to live abroad permanently, but here's the kicker, most expats do not live abroad permanently, particularly married expats.

With longer...
Showing results 1 to 35 of 44
 
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