My wife was contacted by an agent on the recommendation of a friend when she took her first expat contract. She then moved and found it impossible to receive further advice from the company, via e-mail, telephone or personally.
We found that her funds had been frozen and yet we had no way to divert future payments to any alternative fund.After moving country again she did manage to contact somebody who reviewed her file but then wasn't heard from again. By this time we had cancelled the bank payments so no more money was going in. A new advisor contacted us trying to sell a new 'life insurance' policy but was not helpful at all trying to do something with the funds already invested. Eventually the invested funds became available again (the trading stop must have been removed, I never found what the problem was) so we went direct to the fund brokers and after much paperwork closed it all down with a 50% loss.The original friend has maintained an investment with them and he says it is OK.
Maybe he has been lucky in staying in one place and the agent has been trustworthy and done regular reviews. Our experience with the global group has been quite the opposite.
Monetary Loss: $13000.