You don’t need your financial adviser.
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Why you don’t need an adviser
The maths the industry hopes you’ll never run. Why 85% of professional fund managers underperform a simple S&P 500 tracker — and why you can do this yourself.
How the S&P 500 actually works
What it is, why it works, and why a 0.07% UCITS ETF quietly beats almost every actively-managed alternative over time.
Why time beats timing
The single biggest predictor of investing success isn’t intelligence or timing. It’s not pulling out when markets wobble, and not waiting until you’re ready before you start.
I’m not a financial adviser. Nothing here is personal financial advice. Please do your own research before making any investment decisions.
Quick answers
Is a financial adviser worth it in the UK?
For most people investing for the long term, no. Around 85% of professional fund managers underperform a simple S&P 500 tracker — and an adviser charges you either way.
What does a financial adviser actually cost?
More than the headline number suggests. A typical 1.5% ongoing fee on £100,000 adds up to around £199,000 in invoices over 30 years — and a real cost of about £636,000 once you count the lost growth.
Can I really manage my own investments?
Yes. One low-cost index fund inside an ISA or SIPP, topped up regularly and left alone, is the whole job. No news to follow, no trading.
How do I leave my financial adviser?
You're not stuck. Your new platform handles the move — your ISA and pension transfer through the official process and your money stays invested.