
From the Risk Profiling Chart, seems that many funds houses sell riskiest product or investors like riskiest products.
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Management FEES negotiatable as there are many outliers !
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ANNUAL EXPENSE NON-NEGOTITABLE ! It goes up according to Risk Level on average. Suspect these \($\) goes to fund manager pocket !
Wait for my next update over-weekend. I will teach you how to select the right funds for best returns so that banks/insurances institution CANNOT CON you ! All based on PURE MATHS, not flowery words by sellers !