Recently at a party, I met a 55-year-old woman and her grown up children. As we got talking, I learnt more about the family. Her children had studied abroad, her daughter had a destination wedding recently and the son was in a steady job for some years. Inevitably, once they got to know that I am a financial adviser, they were curious to know about the “best investments” to make. The mother had the usual traditional investments like gold and endowment policies and had currently mortgaged her property to get loans for the wedding, which was planned through a wedding planner. However, the son wanted to invest in markets but was not willing to pay an adviser. He was also circumspect of the “margins” made by financial advisers.