Comments on: Segregated funds: The High Price of Security http://www.thefinancialblogger.com/segregated-funds-the-high-price-of-security/ This is where your finance takes place Thu, 09 Feb 2012 13:23:29 +0000 hourly 1 http://wordpress.org/?v=3.2.1 By: Concerned http://www.thefinancialblogger.com/segregated-funds-the-high-price-of-security/comment-page-1/#comment-20176 Concerned Thu, 20 Oct 2011 21:36:44 +0000 http://www.thefinancialblogger.com/?p=2824#comment-20176 I'm confused by your statement. You can choose investments from a shelf of products. MERs are based on the funds you pick. So, if you can't sell seg funds, which offer fantastic guarantees of capital, great estate benefits and also a wide array of investment options, I know why you're cherry picking your cons. Also, MERs should only be a concern if the mandated management schematic is the same from one product to another. In no circumstance should clients shun MERs until they understand why there are differences. Otherwise, you're not only skipping half the information that should be presented but your selling by cost and you will lose the client as soon as someone shows them lower MERs after your DSCs are gone. This then keeps the client in a world where they think cheaper is better and it isn't usually the case. I’m confused by your statement. You can choose investments from a shelf of products. MERs are based on the funds you pick. So, if you can’t sell seg funds, which offer fantastic guarantees of capital, great estate benefits and also a wide array of investment options, I know why you’re cherry picking your cons.

Also, MERs should only be a concern if the mandated management schematic is the same from one product to another. In no circumstance should clients shun MERs until they understand why there are differences. Otherwise, you’re not only skipping half the information that should be presented but your selling by cost and you will lose the client as soon as someone shows them lower MERs after your DSCs are gone. This then keeps the client in a world where they think cheaper is better and it isn’t usually the case.

]]> By: The Rat http://www.thefinancialblogger.com/segregated-funds-the-high-price-of-security/comment-page-1/#comment-9423 The Rat Thu, 18 Mar 2010 03:08:06 +0000 http://www.thefinancialblogger.com/?p=2824#comment-9423 i don't think I would have been too happy owning Manulife right before they slashed their divvy in half; however, if the yield was at least 3% right now, I would take a serious look. I think it has some solid potential upside for 2010 and beyond and it seems like you made a good pick. I don't own any seg funds in my portfolio. I'm also not fond of high MERs and tend to stay away from investing in anything that has high management fees. i don’t think I would have been too happy owning Manulife right before they slashed their divvy in half; however, if the yield was at least 3% right now, I would take a serious look. I think it has some solid potential upside for 2010 and beyond and it seems like you made a good pick.

I don’t own any seg funds in my portfolio. I’m also not fond of high MERs and tend to stay away from investing in anything that has high management fees.

]]> By: The Financial Blogger http://www.thefinancialblogger.com/segregated-funds-the-high-price-of-security/comment-page-1/#comment-9401 The Financial Blogger Tue, 16 Mar 2010 18:03:01 +0000 http://www.thefinancialblogger.com/?p=2824#comment-9401 @JF, if you read the article I am linking to in regards to linked notes, you'll see that I am not a big fan either. I actually don't like Seg funds and linked notes ;-) creditor protection; you are right, missed this one. year end distribution... mutual funds do the same thing, don't they? @JF, if you read the article I am linking to in regards to linked notes, you’ll see that I am not a big fan either.

I actually don’t like Seg funds and linked notes ;-)

creditor protection; you are right, missed this one. year end distribution… mutual funds do the same thing, don’t they?

]]> By: JF http://www.thefinancialblogger.com/segregated-funds-the-high-price-of-security/comment-page-1/#comment-9400 JF Tue, 16 Mar 2010 17:10:39 +0000 http://www.thefinancialblogger.com/?p=2824#comment-9400 Link-notes? Really? did you ever take a good lok at them? Do you really understand how the returns are calculated? for me it's a no no... you missed some other points about seg funds: creditor protection, year end distribtuin (for non-registered), by doing some research you will find some with resonable MER Link-notes? Really? did you ever take a good lok at them? Do you really understand how the returns are calculated? for me it’s a no no…

you missed some other points about seg funds: creditor protection, year end distribtuin (for non-registered), by doing some research you will find some with resonable MER

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