I had a chunk of money in a fund type thingy once. It never performed to the market but...at the same time it was not designed to, exactly. It was designed with some safety features in it, in that it never went down even when the market did. In return, it never was as responsive to the up moves and they got some share of it. But...it was my choice to put the money in that device.

I never thought the thing I put the money in...or the money manager did anything but sell whatever instrument was pushed by the corporation. They cared not which way it ended for me. They are there to make money...and that's what they do.

I always wanted to check out the Fisher Investment peeps. Not because it's my last name but because they tout..."we don't make money if you don't make money". At the bottom of it...it's still your money and not theirs so it's your risk but if there was an incentive for a money manager to make you money, it would be to tie their money making to your making money. They could be full of poop...I never checked.