Offer your thoughts or opinion on the input financial query or topic using your financial background.

How does a financial advisor choose debt funds and equity funds for us?
There are raters of stock and bond funds of which Morningstar's is the best. Standard and Poor's and Value line offer reports that aren't quite as good. If you are able to read and understand these reports yourself, you don't need a professional. Such help is necessary for people who are "rank beginners" in investments.