What is going on here, it all feels a bit too much. Last night I got this email from Jarden Direct
QuoteThis year, we'll be moving your investments from Jarden Direct to Hatch. This is the investment platform owned by Jarden and FNZ. We'll be sending you important updates throughout 2024. But for now, there's nothing you need to do.
What does moving mean for me?
We're building new financial products on Hatch to help you grow and manage your wealth. On the Hatch platform, we will:
Manage and safeguard your transactions and holdings
Inform you of corporate actions
Look after your reporting and tax requirements
And it's not goodbye to your friendly Jarden Direct team either. They're moving with you to Hatch. So you'll know the people behind the platform, and they'll continue to give you an exceptional experience.
What happens next?
We'll give you plenty of time to understand what moving means for you before we make any requests. In the coming months, we'll ask for the following:
Your consent to move your cash and securities to Hatch
You to review and accept new terms and conditions (T&Cs)
And we'll take care of everything. There's nothing else you'll need to do.
Where can I get my questions answered?
We're here to guide you every step of the way, and we've answered some of the questions you might have here. If you have a question we've missed, please ask our team at info@jardendirect.co.nz
Kind regards,
The Jarden Direct and Hatch team
It would seem to me that they are looking at a custodial situation for my holdings, i.e. they are proposing to transfer all my holdings into a Nominee company controlled by Hatch.
Is that how others see this ?
Curious how others see this. For me, one of the foundational principles I base all my investments on is that those investments will be held in my name of a trust or company I control. Handing over to a nominee company is not something that I am comfortable with but I am curious how others feel about this and welcome feedback.
Quote from: Basil on May 09, 2024, 09:09 AMWhat is going on here, it all feels a bit too much. Last night I got this email from Jarden Direct
It would seem to me that they are looking at a custodial situation for my holdings, i.e. they are proposing to transfer all my holdings into a Nominee company controlled by Hatch.
Is that how others see this ?
Curious how others see this. For me, one of the foundational principles I base all my investments on is that those investments will be held in my name of a trust or company I control. Handing over to a nominee company is not something that I am comfortable with but I am curious how others feel about this and welcome feedback.
I absolutely agree with your sentiments, suspect however that they will keep the current broking services in the clients name - otherwise they certainly will lose me as a client.
Probably for clients just another rebranding exercise, another tens of pages of fine print to read, digest and confirm, another handful of hoops to jump through the security checks ... and again a new and further deteriorated online experience.
We just moved a year or so again? WTF is going on.
I tried joining Hatch a few years back and they were an absolute shambles.
Not happy about this.
it looks like the end of the broking platform ...
this looks like your share are no longer registered in your name...
something about a US dollar account?
it looks like the end of direct buy and sell to the NZ market in your own CNN's
does not look good at all...
WZ
Will Hatch be able to broker unlisted orders, as Jarden does currently? That is literally the only time I ever use Jarden.
Not happy, another change of which we are having to adjust too
I will be going back to ASB
we will all have to wait and see what they are going to offer...
wonder what happens to there new web site everyone moved onto...
has the custodial share model just killed the direct broking model of buying and selling shares..
the letter indicated that the costs would be lower for broking well we will have to wait and see.
WZ
Quote from: Untamed on May 09, 2024, 09:52 AMWill Hatch be able to broker unlisted orders, as Jarden does currently? That is literally the only time I ever use Jarden.
That won't change.
Quote from: Soolaimon on May 09, 2024, 09:58 AMNot happy, another change of which we are having to adjust too
I will be going back to ASB
Hmm - currently using both Jarden as well as ASB. For each of them there would be good reasons not to continue using them. Quite an contest for the ugliest user interface and the lowest service level between the two contenders, but sometimes ASB beats Jarden and sometimes Jarden beats ASB.
As far as I am concerned - ASB Securities only survived thanks to Direct Broking downgrading to Jarden Direct - and ASB well might get with Hatch another push into the arm (future will tell, we don't know yet).
However - while ASB might be better than Hatch (I don't know) ... its still not an experience to look forward to. Incredibly clumsy user interface and menues, still less useful information (unless you like and trust MorningStar) ... and their communication ... well - only use them if you enjoy to receive tens of emails for selling (or buying) a small package of shares.
They will send you for each individual deal a message - and if you are lucky to sell say 2500 shares to some tens of Sharesies investors - do I need to say more? Been there, done that.
May be if you purchase new shares they may be required to be put in a Nominee company but what you have got now are registered to you under your CSN number. They cannot change that.
More information should have been included with the announcement.
just spoke to jardens and they are now aware that the inbox is full...
the rep had no answers as they are all waiting and it appears no one has any answers they can give out...
its just the first step .. and made them aware that talk on the forums has taken a vocal turn,,,
they dont know what the new platform even looks like...
Quote from: 777 on May 09, 2024, 10:17 AMMay be if you purchase new shares they may be required to be put in a Nominee company but what you have got now are registered to you under your CSN number. They cannot change that.
More information should have been included with the announcement.
Apparently both options will be available ie custodial and own name holdings but I'm guessing a fee charged for the custodial option but a cheaper brokerage rate offered than own name, watch this space.
let hope you are right BZ ...
a lot more info to come as the team is also not sure what it all looks like...
it might actually offer our software for broking some commercial opportunities as ive outlined the scope of the broking transaction modules to jarden representative this morning..
WZ
I have sent a very "pointed" email to Jarden with some questions and asked for a reply within 7 days.
If I get a reply I will share what I learned.
Quote from: Basil on May 09, 2024, 10:30 AMI have sent a very "pointed" email to Jarden with some questions and asked for a reply within 7 days.
If I get a reply I will share what I learned.
Good luck but most of their employees will be flying blind in the main like ourselves at this point.
Yes thats what they said this morning ... but you never know it might be terrible or slowly it might get better.
Jardens transaction models are broken anyway... we have a huge software module that caters for these broken transaction systems and we can adapt them for Hatch and maybe help investors out with their reporting if its required...
might be opportunities here in the future...
https://www.hatchinvest.nz/jardendirect-faq?utm_campaign=website&utm_medium=Email&utm_source=Sendgrid
Quote from: Breezy on May 09, 2024, 10:38 AMGood luck but most of their employees will be flying blind in the main like ourselves at this point.
I think you will probably be right. Might be time to move to a new airport with better air traffic control ?
QuoteIf you accept the new T&Cs and consent to moving your cash and securities to Hatch (happening in a few months), there's nothing you'll need to do.
We'll take care of everything on your behalf to move:
Your investments, including any held on CSN and HIN
Any cash or deposits, which we'll transfer securely
Got all the makings of a proposed custodial service where shares owned in your own name are moved to Hatch and owned by a Nominee company.
That's looking like a really big "IF" for me. Beagles are control freaks when it comes to where they bury their bones and who owns them.
This feels all wrong to me. A huge move from Direct Broking to Jarden and all the endless crap that went with that and then really hard on the heels of that, now we are being asked to move soon to a new digital platform.
They say Hatch will be your new home, or words to that effect. We'll see about that.
Hatch has fast executions, low commission, and allows fractional shares.
Quote from: Azz on May 09, 2024, 11:13 AMHatch has fast executions, low commission, and allows fractional shares.
Not for NZX shares they don't and won't.
Quote from: Basil on May 09, 2024, 11:07 AMGot all the makings of a proposed custodial service where shares owned in your own name are moved to Hatch and owned by a Nominee company.
That's looking like a really big "IF" for me. Beagles are control freaks when it comes to where they bury their bones and who owns them.
This feels all wrong to me. A huge move from Direct Broking to Jarden and all the endless crap that went with that and then really hard on the heels of that, now we are being asked to move soon to a new digital platform.
They say Hatch will be your new home, or words to that effect. We'll see about that.
Yep sounds like Hatchageddon incoming.
Quote from: Breezy on May 09, 2024, 11:17 AMNot for NZX shares they don't and won't.
Ah I see!
Have they stated yet what trade commission will be?
Jarden says they dont know what they new platform looks like and we dont yet know what they might offer....
looks like jardens lost money on the new platforms and wanted to shut it down...
no commissons being worked on... in other words the Hatch model for NZ might be changing a little to accomodate this move.. after all Jarden are a shareholder..
its a boardroom decision as Jarden direct was probably bleeding..
this gives Hatch more customers but they will have to offer a competitive rate to stop the flight.
ive told them this morning that you are all very vocal and they did say there InBox is fuill.
WZ.
Quote from: Waltzing on May 09, 2024, 11:22 AMJarden says they dont know what they new platform looks like and we dont yet know what they might offer....
looks like jardens lost money on the new platforms and wanted to shut it down...
not that is being worked on... in other words the Hatch model for NZ might be changing a little to accomodate this move.. after all Jarden are a shareholder..
its a boardroom decision as Jarden direct was probably bleeding..
WZ.
Of course as it took them 3 yrs and millions of wasted dosh to create the current dogs breakfast which is hugely worse than the old site, they only make money from their frequent traders, most of their clients are loss making so a fee charged for custodial will increase revenue.
ASB securities to be the big winner from this looming fiasco ?
Why not give Hatch time to provide this new offering? It seems a bit unfair to complain about something that hasn't happened yet.
actually like the new jarden site... runs well on a phone and is huge improvement over the old site...
the old site did run better over lower band width..
it the transaction files that are not up to snuff as Howard H says in the movie...
yes need to see whats on offer from all sources as the landscape consolidates ..
the aweful custodial model of sharZY has basically changed the market...
but if a lower brokeage can be offered then trading volumns can move up and maybe orders can be computer generated by software which would suit us... no more order typed in by manual devices once you have a REST API certificate.
Quote from: Waltzing on May 09, 2024, 11:47 AMactually like the new jarden site... runs well on a phone and is huge improvement over the all site...
it the transaction files that are not up to snuff as Howard H says in the movie...
yes need to see whats on offer from all sources as the landscape consolidates ..
the aweful custodial model of sharZY has basically changed the market...
Its poorly formatted for phone use compared to the old site.
yes the old site was very nice on all devices due to its layout and lower graphics over head..
its really a person choice thing one supposes. the plain and simple interface allowed for fast access..
but it not a REST API site and that is the future and no one provides one yet...
google rest secure access to data driven services has been around for a long time...
imagine no one wants to cater for it as it would automate the floor and mean market price flash crashes would happen frequently and lead to algo driven trading..
Copy of email sent this morning...personal information redacted
QuoteI have approx "redacted" invested in the market and am very uncomfortable with the proposed changes especially hard on the heels of the change from Direct Broking to Jarden Direct.
Questions presenting regarding the proposed changes.
1. Please advise if the transfer to Hatch involves a transfer of securities held in my name into a "custodial" situation, I.e. shares will be held in a nominee company controlled by Hatch.
2. What is the share capital of Hatch?
3. Is Hatch profitable?
4. If I am unhappy with the proposed transfer are Jarden themselves as an entity still continuing and can I transfer over to an advisory service with them (matters particular to me redacted)
I'd appreciate a reply within seven working days.
Not holding my breath for a reply. I read somewhere...might have been on the other channel or in the news a while back, Jarden lost money last year...the figure of $13m is something I vaguely recollect but my recall on this matter is quite vague and therefore probably unreliable.
A nominee is not exactly a new concept. And it makes everything so much easier.
easier?
what if your doing off market transfers ...
you have to transfer out .. then transfer to another entity... then hopefully they assign the new CNN to the holding but it will probably require an email to them..or you will need to udpate the portfolio. or they will not have the holding on record for you to sell in the new portfolio
or you can put it in another platform ...
lots more mucking around ,,,, not easier at all
its set up for buy and hold in small portfolios of small holders....
many people have trusts and personal portfolios
inter porfolio transfers are for taxation rebalancing..
Quote from: Waltzing on May 09, 2024, 12:15 PMeasier?
what if your doing off market transfers ...
you have to transfer out .. then transfer to another entity... then hopefully they assign the new CNN to the holding but it will probably require an email to them..or you will need to udpate the portfolio. or they will not have the holding on record for you to sell in the new portfolio
or you can put it in another platform ...
lots more mucking around ,,,, not easier at all
its set up for buy and hold in small portfolios of small holders....
many people have trusts and personal portfolios
inter porfolio transfers are for taxation rebalancing..
Investment platform offerings should be built for the majority, not the other way round which is what you're describing; those things on your list could be provided but at a bespoke cost to the customer.
A nominee account structure means easy buys and easy sells and easy dividends paid, which is what I think most people want.
Quote from: Azz on May 09, 2024, 12:22 PMA nominee account structure means easy buys and easy sells and easy dividends paid, which is what I think most people want.
I'm with Jarden currently as a trust and everything is easy peasy.
Quote from: entrep on May 09, 2024, 12:27 PMI'm with Jarden currently as a trust and everything is easy peasy.
A
trust having a problem with a nominee account lol...... that's pretty funny...!
Quote from: Azz on May 09, 2024, 12:22 PMInvestment platform offerings should be built for the majority, not the other way round which is what you're describing; those things on your list could be provided but at a bespoke cost to the customer.
A nominee account structure means easy buys and easy sells and easy dividends paid, which is what I think most people want.
These guys currently make all their money from trading and the more users trade the better, nominee accounts are a completely different direction and income focus which may or may not work out for them. Lots of competition with Sharesies once they enter that space.
Quote from: Breezy on May 09, 2024, 12:34 PMThese guys currently make all their money from trading and the more users trade the better, nominee accounts are a completely different direction and income focus which may or may not work out for them. Lots of competition with Sharesies once they enter that space.
I wouldn't be surprised if worldwide that nominee was the standard, the default. Let's see what happens in this platform market, for NZ. I'm more interested in what Hatch will do for NZX (ASX?) trade commissions.
Yes AZZ nomiee is the standard
fully expect to have to do the extra transfer work manually ... not a bi deal ... a rest API certificated system would be go though...
"what Hatch will do for NZX (ASX?) trade commissions."
yes and actually they may have enough flow for us to provide add on services for the larger volumn customers...
who know it might actually work out ok...
but it wont suit everyone ..
Quote from: Waltzing on May 09, 2024, 11:50 AMa REST API site and that is the future and no one provides one yet...
No back-and-forth API being used, plus plain-old data export being limited as you mentioned in another post, doesn't add up to a very sophistated feature set here in NZ.
its systemic in the financial system ..
the population at large has a lot to complain about its just they dont know it...
they know something is not quite as it should be ...
the custodial model is really pretty shocking in that it allows them to make a margin of the holdings...
a more automated system would be better for trading but it could crash the markets more often ... the old market marker system allowed for an off market match up to occur...
but they got rid of it... private capital is apparently again all the rage at the hgh end in the big markets.. dark pools..
at the low end custodial is the norm now..
Quote from: Waltzing on May 09, 2024, 01:43 PMthe population at large has a lot to complain about its just they dont know it...
Lol..... don't go encouraging them! :-)
https://www.goodreturns.co.nz/article/976522050/jarden-to-hive-off-profitable-wealth-business-by-march-2024.html
When anyone tells you that a change is great for you, it's BS.
Quote from: 777 on May 09, 2024, 06:27 PMWhen anyone tells you that a change is great for you, it's BS.
Ivory tower attitude seems to have overtaken this organization for quite some time now, we know what's best even if it doesn't work, we welcome all feedback but we don't listen to plebs.
Profitable business or did transaction volumes start to dry up ...
after Brian E's article one wonders if money flowed out of the markets and went to yield...
and thats why stock prices have almost crashed ....
said recently it was starting to feel like a mini GFC for NZ and now treasury is making noises along those lines ...
you ned to make sure your portfolios have exposure through listed companies to overseas markets ..
not hard as many NZ companies now make more money in AUS than they do here...
Somewhat surprisingly, I had a reply from Jarden Direct a copy of which is below.
QuoteThanks for reaching out.
With Hatch all ASX, US, and UK shares will be traded and managed on a custodial basis. For your NZX shares, we will be offering both custody and own-name trading. Custody trading however, will be offered at a better price point and will allow us the ability to manage dividends, corporate actions, and tax.
Hatch was launched in 2018 by Kiwi Wealth (now Fisher Funds) and was the first digital investing platform to give New Zealanders low-cost, easy access to the US share markets. Hatch was also the first to offer Kiwi investors full and fractional shares. In 2021, FNZ acquired Hatch, connecting the platform to FNZ's global wealth management system.
From their Wellington roots, FNZ has grown into a global financial powerhouse and today have a strong presence in more than 20 countries with over 4,000 employees.
FNZ provides the backend financial infrastructure that makes platforms like Vanguard, Barclays - and Hatch - possible. While FNZ works behind the scenes, they've been at the forefront of the retail investing revolution for 17 years. FNZ is responsible for more than US$1.5 trillion in funds under administration and counts some of the largest global financial institutions among their clients.
If you decide that you'd prefer to deal directly with an advisor at Jarden, we can certainly pass your details on to one of the team.
A full list of our advisors can be found on Jarden's website here.
Emphasis added. That's a red line for me so it's good they haven't crossed it and will be offering own name trading. Also good is that Jarden's advisory service is continuing and that might be an option for me or maybe Craigs.
Quote from: Basil on May 10, 2024, 10:19 AMSomewhat surprisingly, I had a reply from Jarden Direct a copy of which is below.
Overall that's some comfort.
Cheers for sharing.
Just a funny coincidence - my German banking provider (started as "netbank", taken over by and rebranded as Augsburger Aktienbank, turned later into ebase was a year or so ago taken over by and integrated into FNZ.
So far it feels the service did improve since then.
Maybe there is hope for good old Direct Broking as well? Who knows ...
Thanks Basil Beagle for starting this thread and sharing your concerns and response from the DB team.
I too wish to retain my family trust's direct ownership of shares via "own name trading" so am relieved that this will be an option in the new 'service' however, I await more details re the cost comparison versus custodial holdings.
I won't be rushing to sign any new terms and conditions and will keep an open mind on the alternative options available to change or go elsewhere.
That said, I know one of the original founders of Hatch and it's encouraging to see how this service has progressed. I hope that going forward current DB/Jardens clients will have an even stronger service arising from the combination with Hatch.
I have followed this sad, sorry, saga from Direct Broking through ANZ Securities to Jarden Direct. The trajectory has not been one of constantly improved operational functionality, improved customer service, and reduced cost.
I have low expectations of the New Zealand financial services industry, and little expectation that this will change as Jarden Direct is stuffed and squeezed into Hatch.
If I could access the NZX from offshore, I'd be outta here like a shot.
Quote from: Henry Filth on May 13, 2024, 08:37 AMI have followed this sad, sorry, saga from Direct Broking through ANZ Securities to Jarden Direct. The trajectory has not been one of constantly improved operational functionality, improved customer service, and reduced cost.
I have low expectations of the New Zealand financial services industry, and little expectation that this will change as Jarden Direct is stuffed and squeezed into Hatch.
If I could access the NZX from offshore, I'd be outta here like a shot.
Exactly and more competition desperately needed, too much influence from people higher up with no idea of how things work on the shop floor in practical terms trying to fix things that aren't broken and then turning them into broken things.
I especially don't like the direction of travel when it comes to the proposal for custody arrangements for New Zealand securities. All I can see is the prospect of the traditional New Zealand percentage-based fee structure clipping the ticket with no benefit - tangible or otherwise.
For anyone who is interested, when the Jarden/Hatch amalgamation was announced, they said it would be finalised by the end of the year. I messaged Hatch yesterday to ask for an update, and was told it will now probably not happen until early next year. That was all the info he had.
Pretty disappointing as I was hoping once it went through and Hatch then supported the NZX, it might be a decent alternative to Sharesies. But the silence has been deafening, and the lack of info available doesn't give me a ton of confidence.
And now they want to know all about you.
Invest Direct
To keep your Invest Direct account active we need some information about your employment, your financial assets, and how you intend to invest.
We're required to gather and keep this information up to date under New Zealand law as part of our anti-money laundering (AML) obligations.
The next time you log in to your account, you will be directed to provide this information.
What do I need to do?
· Log in to your account.
· Complete the questionnaire.
· That's it, you're all done!�
�Need help?
If you have any questions about this request, please visit our Help section for more information. Or contact us directly at hello@investdirect.nz
Thank you,
The Invest Direct Team
Give them heaps. Nosey bast**ds
Just did the survey with , shall we say minimal information
e.g Occupation - Worker!
Quote from: 777 on Jun 18, 2025, 07:16 PMAnd now they want to know all about you.
Invest Direct
To keep your Invest Direct account active we need some information about your employment, your financial assets, and how you intend to invest.
We're required to gather and keep this information up to date under New Zealand law as part of our anti-money laundering (AML) obligations.
The next time you log in to your account, you will be directed to provide this information.
What do I need to do?
· Log in to your account.
· Complete the questionnaire.
· That's it, you're all done!�
�Need help?
If you have any questions about this request, please visit our Help section for more information. Or contact us directly at hello@investdirect.nz
Thank you,
The Invest Direct Team
Give them heaps. Nosey bast**ds
I think it is merely regulatory impositions at play here, unfair to get upset with the business, if they were to be reluctant to comply they would be in effect in court, AML is partly about International Law and compliance with that. In any interactions if you are USA associated you will have a whole different level of hoops to jump thru. Haven't had the clarity to wish to face yet personally, got multiple entities within my log in and expect will have some tech glitches to complete but wen I can commit time with them on phone will get sorted, as indicated maybe quite simple and rudimentary. Hope sounds positive, got family dysfunctions affecting my mindset if I allow it at present.
So the following questions you would be happy with
"how much do you plan to invest with Invest direct in the coming year?"
"what is your net worth?"
Quote from: 777 on Jun 18, 2025, 07:16 PMAnd now they want to know all about you.
Invest Direct
To keep your Invest Direct account active we need some information about your employment, your financial assets, and how you intend to invest.
We're required to gather and keep this information up to date under New Zealand law as part of our anti-money laundering (AML) obligations.
The next time you log in to your account, you will be directed to provide this information.
What do I need to do?
· Log in to your account.
· Complete the questionnaire.
· That's it, you're all done!�
�Need help?
If you have any questions about this request, please visit our Help section for more information. Or contact us directly at hello@investdirect.nz
Thank you,
The Invest Direct Team
Give them heaps. Nosey bast**ds
Blame our money laundering laws ... not a lot hatch can do about it, and not even sure our government could. It is a requirement that the bank does know you, understands the source of your wealth and can identify unusual transactions. Just based on more and more stringent international agreements, implemented in a more or less stupid fashion by various banks / brokers / money transfer companies.
courtesy to Dr. Googles AI interface:
QuoteMoney laundering laws in New Zealand, governed by the Anti-Money Laundering and Countering Financing of Terrorism (AML/CFT) Act 2009, aim to detect and deter money laundering and terrorism financing. These laws place obligations on various businesses, including financial institutions, casinos, and certain professionals like lawyers and accountants, to implement measures to prevent the use of their services for illegal activities. The laws also involve reporting suspicious transactions and ensuring customer due diligence.
The problem with giving minimal or "inaccurate" answers could be that your later routine activities are inconsistent with your answers and trigger some automated system and your account gets flagged for suspicious activity. Unlikely for sure, but nevertheless a possibility.
I have done quite a few AML questionnaires in NZ and beyond, and I cannot remember being asked how much I intended to invest with the broker, income of partner and self etc. Mostly they just ask your source of wealth. Methinks DB decided to err on the side of asking questions their marketing department would like to know the answer to.
I would have thought a broker could very quickly ascertain risky accounts by the volume, value and velocity of trading done...
Sure - every institute has their own interpretation of the law, and I noticed as well that this interpretation changes over time (getting more stringent and more data hungry). Adding my wifes name to my OFX account included satisfying an orgie in curiosity, and I remember that opening an account with KernelWealth as well as just adding another holder number to our long term broker account used to trigger in the last couple of years a flood of nosy questions.
I assume the law just requires them to understand the financial business of their clients. Whether they did everything right they only will find out after the next big money laundering scandal, and most banks probably prefer to err on the side of caution.
Not sure, with whom you invest? Might be easier on the dark web :) ;
Identifying risky accounts though according to volume and frequency might work perfect, but only with the benefit of hindsight, and then it will be too late.
Anyway - every company has different processes and customers are absolutely entitled not to do business with them, even if the number of alternatives is quite limited in NZ, dare I say ...
Quote from: Popeye on Jun 19, 2025, 03:19 PMI have done quite a few AML questionnaires in NZ and beyond, and I cannot remember being asked how much I intended to invest with the broker, income of partner and self etc. Mostly they just ask your source of wealth. Methinks DB decided to err on the side of asking questions their marketing department would like to know the answer to.
I would have thought a broker could very quickly ascertain risky accounts by the volume, value and velocity of trading done...
I think they have been OTT.
Quote from: Raven on Jun 19, 2025, 03:16 PMThe problem with giving minimal or "inaccurate" answers could be that your later routine activities are inconsistent with your answers and trigger some automated system and your account gets flagged for suspicious activity. Unlikely for sure, but nevertheless a possibility.
Hardly ever use them, so not exactly not true re funds to invest etc
Quote from: 777 on Jun 19, 2025, 08:31 AMSo the following questions you would be happy with
"how much do you plan to invest with Invest direct in the coming year?"
"what is your net worth?"
Um more a response to 777 & Jay now with the above insight, I would wonder if there is not an aligned purpose ( ulterior motive) of marketing data or something at play here. Not sure yet if it is going to offer an option like prefer not to say but in terms of my personal mindset with real life issues at hand at present, I will delay log in if I can until I may have a better chance to focus with clarity on any fish hook concerns.
Perhaps those concerned by ID's Q's would be better off ringing/talking to ID staff to discuss the questionnaire?
Better than yelling into the wind?