Financial advisory is easy in the sense that basic information is easily available freely on the internet, which any educated person can read and understand.
Mutual fund advisory has no meaning for a person who can understand that in the long run, low-cost index funds beat almost all active fund managers; and even though a few can beat the index, there is no way one can recognize those winners in advance. Timing the market/stock picking is too risky for the advisors themselves to advise upon. So there is not much to advise upon.
Yes, the financial advisory is extremely useful for financial illiterates- but they do not have much money to pay to advisors and therefore many advisors are engaged in commission-based advisory[post office schemes are a good example, insurance is other, refusal to advise low cost direct mutual fund is obvious].
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