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The bank advisor wants to earn money. In the case of an actively managed fund, his employer collects commission, which in turn is paid to him as a salary or sometimes (depending on the bank) as a bonus or commission.
In short: costs are too high
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@lawinvest I was already thinking something like that, thank you :)
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@lawinvest He is also a salesman but "tied" to a product portfolio - he can't sell anything he doesn't have. He does his job.

In the future, banks will have to come up with something to pick up the generation that deals intensively with the various products. I agree with your conclusion
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