The average person shouldn't pay much in fees: they should have a global index tracker, which charges less than 0.2%pa. These should be sold over the counter in a minute in any bank branch. That they're not tells us that the industry (& govt) doesn't want investors: it wants people it can rip off.

i take this for granted in the 🇺🇸 with access to Vanguard and other firms; sounds like investing in low-cost funds in 🇬🇧 and elsewhere isn’t as easy?