Subject: Re: OT April inflation culprit
I’m always amazed at what some of my friends pay for advice and management. I say nothing

I've learned to be quiet, too. I tried, didn't go well.

Many just want their hands held

This is true, and can be a valuable service, but our friends/family could get that from Vanguard or a robo-advisor for 0.3% or so.

I found an investment report from a Financial Advisor among my dad's papers. The guy was advising him to buy the "Investec FTSE 100 Enhanced Kick Out Plan 94" (WTH is that?), along with a "reduced initial advisor charge of 1.5% (normally 3%)". Dad didn't go for this particular one.