a typical portfolio selected by yer banker often includes a mixture of funds from schroeder, templeton, BRIC emerging market funds, etc etc etc. diversification is 'allegedly' meant to moderate the risks. but at the end of the day, despite 'market research and analysis' it is still professionalised gambling. a random pick based on hearsay. the banker hardly shows me any significant profit made and even losses on several occasions. could u then have a say on what the portfolio should comprise of or does that affect the risk the bank will cover? is there a site where one can find information of the different investments other than from bank websites?