What Dropp said.
Times two.
Don't you think you should know what "something called a bid-offer spread" is before you put your money into it? And how big the spread is?
Is a portfolio with a "somewhat shaky performance" for the last five years really somewhere you want to put your money?
Why on earth would anybody want to lock themselves into a five year savings plan where they have to put money in every month even if they are off work or ill? Of course the brokers love products like that- they pay the best commission!
If you think financial planning for your and your family's future is too difficult and takes up too much time to the extent you would rather get somebody else to do then you will get robbed. These are professional sales people who do this all day everyday. You are a lamb to the slaughter.
I despair.