@George ********
okey mate ..
Good for you . I don't trust fund managers either , that's why I have done my own stuff for a very long time .
I don't manage the funds of others , just mine ..
So I take the gain , not am I offering otherwise .
But for me it's an interest and a passion .
But for you , you could just buy a market tracking ETF you don't need to pay anyone .
Never let others manage your money . All the best , back to topic , don't worry about this stuff , it's my interest not yours .
Wishing you well .