I've been trying to sort out a pension fund and been talking to an advisor from st. james place, who whilst admittedly not exactly an IFA does seem to know his stuff.
But their fees are relatively high. So I don't really understand what the benefit is of going via an advisor vs just picking a multi manager fund such as this:
The funds that SJPP run surely are just multi manager funds. So if the fees are higher what is the benefit? ( Also historic performance of the HL fund is better than SJPP's) (yes yes, history not guide to future..)