<prompt> Human: Posting from a throwaway because, well... its awkward. I found out a couple years ago that my then fiancee, now wife has a substantial trust in her name that she gains access to when she turns a certain age. I was uncomfortable about this, and didnt ask many questions, because I didnt want money to be a factor in our relationship - I love her for her and for us - so I acknowledged it and then didnt talk about it again until 8 years later, once we were married. Were very ok with our day-to-day money, both fulltime employed, no debt, everything running smoothly and both of us know where our money comes from, how much we have, and where it goes - and we make those decisions together, so things are ok there. Its this trust that is still wonky and outstanding that we need some help on - and while were looking for a fiduciary flat fee financial adviser right now, I wanted to ask about the current situation here just to start to get a handle on it.This was money left to her by a relative that no-one liked, and shes the last remaining survivor. Shes been very uninvolved in it to the point that she didnt even know how much was there until a month ago - she just knew it was a lot - and because she couldnt have access to it until a couple years from now, hadnt done anything except stick the portfolio reports in a drawer when they showed up.Im uncomfortable with how little she and I know about the situation - tax implications, how its being handled, what the portfolio breakdown is - and so I asked for the reports so that we could look over them and take them to an adviser. Its about 500k, and while I dont have the exact breakdown and I would rather have a fiduciary looking at them than internet strangers, no offense internet strangers - the one thing that stuck out was there was a net gain of 9k last year, or about 2. That seems very low to me, knowing that the market had a record year, and that my 401k did about 12, but is that normal for this type of account - a managed trust? Just to know for peace of mind now while were still looking for someone to do a comprehensive review - is she being taken to the cleaners with a poorly managed account, or are they doing the right thing by making sure that her initial capital is being maintained?TL;DR Wife never paid attention to a managed trust that she doesnt have access to, we finally looked at it and shes got a 2 return on 500k account - is that normal?EDIT: Thanks for all the information everybody - I feel a lot better about this. To sum up though, were actively looking for somebody qualified with a fiduciary responsibility and that we feel comfortable with weve had three interviews already, she has ZERO CONTROL over this for another couple years, and rpersonalfinance is a super great community. Much gratitude to everybody.Assistant: There really is no such thing as a normal return, it depends on how its invested.If the trust is invested conservatively, that return makes senseIf the trust is heavy in equities, then there might be an issueYou need to find out moreHuman: From what I can remember, and Im at work and the reports are at home on my desk, it was something like 10 equities, 40 bonds, 50 guaranteed income.  <response>: As a person financial planning specialist, with that asset allocation, your looking at a predicted rate of 2.45 on the high end according to my programs. So 2 is very normal for 90 fixed income because interest rates are so low. Ask them do to a new Know your client form, and a new asset allocation survey. Then theyll change your asset weighting. I am in Canada ontario so if your not from here it might be slightly worded differently. 