http://www.moneymarketing.co.uk/pensions/fsa-issues-pension-loans-warning/1032659.article

The Financial Services Authority has warned investors to treat schemes which allow them to unlock 50 per cent of the value of their pension fund before age 55 with “extreme caution”.

The details of the warning note, revealed last week by Money Marketing, focus on the investment risks and loan charges associated with the schemes.

The regulator says the promotional material it has seen “does not state the exact level of fees or charge.” It says there is a “good chance” investors will be left with less than money than they started with.

In May, Money Marketing revealed concerns over pension loan schemes which exploit a loophole in regulations to allow people with a pension pot of £20,000 or more to borrow 50 per cent of that value from a separate occupational scheme.

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Many investors want to buy a stock if it's a hot IPO, if it's been featured in the news lately or if its price has shot up rapidly in the past few months. Because Fisher does business differently, we view these as warning signs, not buying signs.