Well said!
Most so called "financial advisers" go for commission based products so normally they will intro u financial product that will pay them more commission ,they dun really care how much your money will grow/loss, so is better to invest in bonds and stocks, even in fixed deposit that can earn guarantee earning(though lower)but more safer and better than those products that "promise" to give better earning than fixed deposit.
How knowledgeable a adviser is depend on how much financial knowledge u have.
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