I spent the weekend in Johannesburg celebrating my brother’s engagement. I met a whole new bunch of new people. The conversation turned to investments. They all had some form of investment. These were either through the usual suspects (Think Old Mutual etc) or a provident fund (Alexander Forbes). I felt that no one really knew exactly what they invested in. All they knew is they got pretty rubbish customer service and believe they pay excessive fees. This talks to my theory it is better to be...