Is it me, or do providers not want my business?

Let’s start with a basic fact of life: if you manufacture and distribute a product, there are three main competitive strategies open to you: price, features and service. Looking at product providers in the UK post-RDR, the situation will be as follows: with no commission available on investment products, there can be no meaningful price competition without the manufacturers eating into their margins. While great from a consumer viewpoint, this may spell trouble for some providers already struggling on the profitability front. Price competition is already an issue in the form of ETFs a...