Investment brokers (aka salesman) make their money up-front from commissions taken out of
your money.
Then the investment company takes their cut. Whatever is left is put into the market> Which, unless your timing is very lucky, will inevitably crash.
Watch 'Inside Job' as someone said. It will make your blood boil.
The best investment advice anyone ever gave me was "
Stay married to your first wife"
Have managed that for 23 years, hope I can continue.