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hi im pattu from freefan cal and today i want to talk about how index funds are a game changer in low cost financial planning now um over the years since ive maintained a list of the sebi registered fee only financial advisors people have told me that at least some of the members in that list or in the larger list available in fearly india the the fee is too high for the charge its fee charged by some of the members is too high and uh people there are people who cannot afford such a high fee and what are the options for them i mean should they some of them have even said that regular funds or regular plan mutual funds are a better option for people who cannot afford fee only financial planning it is true that for some people in the fee only india list or my list the charges are could be high for uh many people but that doesnt mean that they have to choose regular funds or go via a distributor um they dont need to go into that trap of conflict of interest and uh you know commissio