Most mutual fund fees are unnecessary because you can buy the same stocks yourself. A service called X-ray reveals exactly what's inside funds so you can skip the middleman and keep more money.
And the thing is, when people look at what they actually own underlying the fund, they go, actually, I could have just bought that myself. And if you want to buy that stuff yourself, well, here, we've just X-rayed it for you. What that then gives us is enough information to then— what we'll do is we'll X-ray those funds and say, right, this is what they actually own. This is why you're not getting a return. These are the fees. That's what's dragging it. And the thing is, when people look at what they actually own underlying the fund, they go, actually, I could have just bought that myself. And if you want to buy that stuff yourself, well, here, we've just X-rayed it for you. Feel free. We're not affiliated to any brokers. We're not affiliated to any fund managers. We don't have any conflict of of interest other than we want you to think. Basically what you've done is you've gone to Sainsbury's and what you've said is, can I have a personal shopper please who will charge me to buy things that I want off the shelf that I can see on the shelf and I could have just put them in there myself? You're just paying for something, you're paying for a personal shopper that you don't need. And you can only do that, of course, if you're well educated to get that educated. We've put a ton of it for free on there, everything you need to know, but we'll also educate you for free if you do a a free portfolio pension review with us.
