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In relation to the FOS complaints article - how can there be complaints about Multi-Asset Funds? Over 7 or longer years the range of returns from say 30 Defensive 70 Growth to 70 Defensive 30 Growth is roughly somewhere between 5% and 8% per annum - where could the problem be? Only in the misdiagnosis of Risk Profile, which is subjective, so how does FOS prove you misdiagnosed?