 I'm Chas Holder from Holder Wealth Management. The world of investing is complex. There are thousands of different financial products available, and new ones are created every week. Chances are pretty good that you've been approached by a broker with an offer to buy some type of investment. But how do you know if it's the right investment for you? What are your fees and commissions? And did you know that most active managers generally don't outperform the overall market over time?