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ewmoda

Zurich Vista Plan

60

Posts

EW NEWBIE

Latest post on 24 February 2014 - 15:46

Hello

I was just wondering if anyone had taken up the Zurich Vista Plan with PIC (DeVerre) and how they were finding it? I signed up for a 25 year monthly plan but now see mixed reviews on it and am wondering if I should try get out of it - I hear there are high exit charges though. I would love to hear of anyone that's invested and their views/opinions, many thanks in advance...

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681

Posts

EW GURU

Latest post on 26 February 2014 - 17:09

Thanks for clarifying, personally I wouldn't trust any banks out here to advise me on savings. I trust my financial advisor and he seems to have pointed me in the right direction, I have enough in my bank account and money saved so all ok. Its not just here unfortunately, I only worked in finance back home and they were plenty of sharks/people with no clue there too. If you got a good one stick with him :)

60

Posts

EW NEWBIE

Latest post on 26 February 2014 - 16:53

You cannot remove any money you pay in for the first 18 months with ours and i am guessing most are the same. Our take is that everyone is different, we are fortunate to save more here than we could ever dream of in the UK so while we are here we are. If in 10 years we miss out or have to lower the premiums then at least we have accumulated a good pot. After 3 years our plan is work 40% or more than we have invested, i know this as i met with the consultant just yesterday. Ultimately your decision though as only you know your future plans and financial situation. Yes, ours is the same thing, the first 18 months are fixed and then you have the option to reduce the premium to suit yourself, you can even withdraw a lump sum at any stage if needed and then continue on again. I don't recall him explaining about exit charges at the time, stupid I know, I should have asked. It's not a Pension, it's an investment policy, I just hope it pays off, I'm starting to get wary of it - I have a meeting with the Financial Advisor next week so hopefully I can clarify a few things, I was just wondering if anyone had any experience with the same plan, many thanks for your replies :-)

4423

Posts

EW MASTER

Latest post on 26 February 2014 - 16:12

Thanks for clarifying, personally I wouldn't trust any banks out here to advise me on savings. I trust my financial advisor and he seems to have pointed me in the right direction, I have enough in my bank account and money saved so all ok.

681

Posts

EW GURU

Latest post on 26 February 2014 - 15:30

You should never invest unless you have at 6 months salary aside for emergency's (medical issues, job loss etc...) That is insane, I would never have 6 months salary sitting in my bank account for an "emergency" if I had to I would never save! Perhaps salary is the wrong word i mean enough to manage on for 6 months which granted can be quiet different. Its not insane its standard financial sense and what banks should be advising. What good is 100k in a 25yr fixed account if you lose your job? I have been in a position where i have had to tell people that they can't break their accounts and that next week they will default on car loans mortgages, school fees, business loans etc... yet they have thousands tied up in fixed accounts that can only be broken in the event of death. All because they were sold the wrong product for their needs.

4423

Posts

EW MASTER

Latest post on 26 February 2014 - 13:59

You should never invest unless you have at 6 months salary aside for emergency's (medical issues, job loss etc...) That is insane, I would never have 6 months salary sitting in my bank account for an "emergency" if I had to I would never save!

681

Posts

EW GURU

Latest post on 26 February 2014 - 11:58

I don't know the product but on a 25 year plan you can't really get accurate reviews in a short space of time. Did they fully explain its operation before they sold it you you? Things like exit charges etc... should have been fully explained. Its frightening what people sell and what people buy without fully understanding it. You should never invest unless you have at 6 months salary aside for emergency's (medical issues, job loss etc...) your savings schemes should vary in duration and type. I know back home any product lasting longer than 12 months requires a full financial review, everyone hates them but it they are done properly they assess what you can afford and how best to make it work for you.

4423

Posts

EW MASTER

Latest post on 26 February 2014 - 11:26

Firstly you have to ask why you are investing for 25 years? Can you commit to every single payment without missing one? Why did you not save for 5 or 10 years? Why wouldn't you start savings for your pension now - which is likely to be in 25 years time?

256

Posts

EW NEWBIE

Latest post on 26 February 2014 - 10:53

You cannot remove any money you pay in for the first 18 months with ours and i am guessing most are the same. Our take is that everyone is different, we are fortunate to save more here than we could ever dream of in the UK so while we are here we are. If in 10 years we miss out or have to lower the premiums then at least we have accumulated a good pot. After 3 years our plan is work 40% or more than we have invested, i know this as i met with the consultant just yesterday. Ultimately your decision though as only you know your future plans and financial situation.

2

Posts

EW NEWBIE

Latest post on 25 February 2014 - 22:15

Firstly you have to ask why you are investing for 25 years? Can you commit to every single payment without missing one? Why did you not save for 5 or 10 years?

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