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Personally I wouldn't use a financial planner, especially those commission based.
Nowadays most of the dealer groups are owned or run by product manufacturers, in most occassions owned by the major banks. From my point of view, the industry has a serious conflict of interest issue. Like any brokers, they are more inclined to sell the products (nowadays master trust, wrap or other form of platforms) paying the most in commission. I would be very happy to pay for good service (invariably you should, remeber there is no free lunch). But paying something which is overpriced or not suitable in your circumstances is another matter. So if you are charged with hefty management fees from the funds management companies, quite large chunk of the fee actually is passed to the financial planners in the form of commission or adviser service fees. |
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Supernanny: 如何让孩子好好吃饭（非常推荐，值得一看） (2010-1-29) 第一名 
楼主:horseanddragon
发表于 2006-4-1 20:44
