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Vanguard slashes the price of financial advice


US investment giant Vanguard aims to shake up the financial advice market with the launch of a cut-price service tomorrow.
Already known for low fees for its funds, which track markets rather than using skilled managers to pick investments, Vanguard will charge 0.79 per cent a year for financial advice – including the cost of the investment funds and platform fee.
The move could send shockwaves through an industry where the fees of fund managers and financial advisers often add up to more than double this.
Cut-price financial advice: US investment giant Vanguard will charge customers 0.79% a year
Traditional financial advisers charge an initial fee of 2.4 per cent, followed by 1.9 per cent a year in fund and advice costs on average, according to the Financial Conduct Authority. ....

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YOU have the power to make firms kinder: Here's how


Be a superhero: Millions of investors have rights over the companies in which they hold shares
What if I told you that you had the power to change companies for the better – while still making a profit? 
Or that you could challenge a chief executive on their company s environmental policies or help rein in excessive pay or even boot out an underperforming fund manager? 
Well the chances are that you already have this power – you re just not using it. 
Millions of investors have rights over the companies in which they hold shares. 
And yet just a handful use them – often because they don t even know it s possible or as a result of it being made difficult for them.  ....

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