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my adviser works for Natwest, so only interested in selling RBS products. btw my index bond matures in august 2015 looks like a 27% return in value and better than any high interest account / savings blah blah.. these are rare today and the stock market has been steady for three years.

When quizzed i was told RBS invest in Stock Market companies without asking where the money really goes. So I could be funding a weapons programme, security in hot spot regions, dam building in china, or wake up to muffin empire..

obvs no one qualified to answer the fricking question ffs

Hm. Have you tried using a proper IFA instead of some douchenozzle working for your bank? If you get a good one they're worth their weight in gold. I can pass you the details of mine, if you like, she's very good. My boss uses her as well.