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In one case, Mr Holder took on a client unhappy about his fees being hiked. It emerged that his former adviser was trying to charge 1pc a year on top of 2.5pc fees for his fund of funds. The total would have eaten £3,000 off a £100,000 portfolio every 12 months. Such high charges make it difficult to get a meaningful return. With inflation running at 2.9pc, the investor would need to find growth of 5.9pc just to keep pace with rising prices.
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