1. Stephen
    October 16, 2018 @ 2:12 am

    OK. That’s a different article from “Kim” – transparency – hmmm.

    Some weeks ago now I suggested Angie might like to update the Pension-Life “Team” page after I asked – who on earth is this “Kim”? She’s not mentioned on the page, all the picture links broken too.

    Angie promised she would get on it right away.

    Here we are, as of 16 Oct 2018, the page has not been updated …. what was that about “transparency”?



    • Angie
      October 17, 2018 @ 3:23 pm

      Kim joined the Pension Life team in January 2018, bringing along her past experience in writing and multimedia. Kim works beside Angie helping with blog content, research and SEO/social media networking.

      Kim says, “I knew little about pension and investment scams when I started at Pension Life, but had a good knowledge of social media networking and writing. I am an avid learner and when given a subject to learn, I am always inspired to research it thoroughly. Through the knowledge I have gained in the area, I am horrified at the number of pension holders who fall victim to evil scams and scammers. This motivates me to write the material I do, and get the information out to the masses effectively. My goal: to help stop pension scammers worldwide!”

      Kim has now developed a broad knowledge of the pension scam network and writes many of the blogs published on the Pension Life website. She also enjoys designing the images that go with them.

      Kim studied multimedia at college achieving an HND and then went on to get a BA honours degree in Multimedia and Cultural Studies at Southampton Solent University. Whilst studying for her degree, Kim also had a customer relations role with British Gas, responding to written complaints and solving billing issues and disputes. Kim´s natural aptitude to articulate written words – as well as her people skills – were put into great use here.


      • Stephen
        October 17, 2018 @ 6:08 pm

        Ah, I too went to Southampton University – 1977-1980, something in common – got a B.Sc.(hons) Mathematics and its Applications.

        Owning up to a customer relations role with British Gas is brave – British Gas have a reputation for appalling customer service!

        However, I might suggest she works a little harder on “… I am always inspired to research it thoroughly.” since some of the time information published is factually incorrect like for example “Structured Notes are for Professional Investors ONLY” when in fact the FCA permits them to be promoted to retail clients and therefore by definition cannot be for professional investors only.

        Her goal is “ambitious” but “valiant”. Scamming is as old as prostitution and just as unlikely to end – certainly not in my lifetime! A better goal would be a “smaller, but more achievable goal.”

        But hey, with a little help from the rest of us, she should do well! 😉

        Thanks for the update. 🙂


  2. Andrew
    October 17, 2018 @ 12:28 pm

    Kim, for the sake of transparency it should be pointed out that the ongoing charge includes within it the annual management charge plus all other costs associated with the fund, you don’t add the annual management charge to the ongoing management charge meaning the 4.34% figure you quote is incorrect. In view of this you might like to review your article.


  3. Toby
    October 26, 2018 @ 11:34 am

    The charge on the Canaccord fund is 2.84% pa, not 4.34% pa? The ongoing charge will be the AMC plus additional expenses.


    • Angie
      October 28, 2018 @ 5:52 am

      Many thanks Toby. I have had various people correcting this and also explaining the charges in different ways. You can see why the ordinary consumer gets confused and why it is so easy to mislead investors.


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