Not if you have enough knowledge and the facility to analyse and make good decisions.

It is true that you can research products on the internet — but how do you decide which type of product you need - or whether you really ned it in the first place?

Do you keep up to date on relevant legislation and the effects of various options on decisions?

There are also businesses that will arrange your investment cheaply so long as you make the choice — but how do you research and select the appropriate funds — and how do you track performance and know when to change your portfolio?

And what if the best outcome for you is not to buy a product at all?

Making good decisions can make a considerable financial difference. The cost of advice can be small change for the benefit it can bring you.

But then you must carefully select the firm you want to use for that advice.

Perhaps the best option is to meet with a couple of likely firms and form a view on their abilities and integrity - decide who you would most trust and with whom you would feel the most comfortable to entruse your financial matters.

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