Do You!!!!!! of course not. In fact I cannot understand why they insist on people downloading the PDS under the pressure of speed of execution. When all they do is scroll down to the last page, click the "read" box and delete the PDS then going directly to the invest box. I have invested in a couple of discretionary loans and have only had one part repayment over a 12 month period. The disadvantage I find is that they tend to split up lump sums as they are paid into the cash trust. But they do pay the full bank rate for the period that the cash is in the bank so the "cash drag is not too serious. I may be regarded as somewhat sinical, but I suspect that the HNW and insto's are given some sort of forward advice on forthcoming IT investments.
