<prompt> Human: Ive been working at a mutual fund company for the past couple months, and it seems to me that pretty much the whole fund market, as well as the job of financial advisor, is more marketing than actual product sales.I say this because the whole industry basically just charges fees to do what you could do anyway- the selling point is their experience, but looking at all the charts professional investors dont seem to do better than the market as a whole.Whats the point? Is there a good reason to spend money to have someone do something I could do myself?  <response>: the whole industry basically just charges fees to do what you could do anywayThe same is true for any service industry. Using an advisor does not lead to better returns, and may actually lead to worse returns because of associated costs. However, using a good advisor can lead to better decisions in the long run, which is actually more important. 