When to fire your financial adviser

I agree with all the other points except one and that is why invest in active funds when you get index returns? This is because index fund deduct expense after giving index returns and what is more important charges or the returns after charges? If one takes 10% as charges and gives 25% return is better or if one takes 1% as charge and gives 10% as returns in the hands of the investor? Where does the inveator gain? So only charges are not important bit what you get in hand is more important. I really do not understand where have we got this concept of reducing charges rather increasing returns. Why do we look at other countries for policy formation to way of investing? Our country is different and we should have our own way of doing things. Be more creative and not just copycats. Exasperating advisors and distributors and reducing TER of regular plans and then increasing TER of direct plans. These things don't benefit the investors but only to big corporates. Please understand it.