Someone asked for a performance comparison, so here it is. In the chart you can see the performance of my High Growth account after fees against the MSCI World, S&P 500 and Berkshire Hathaway since June 2019. I have to say I am very satisfied with the performance. They saved me a lot of money in the current crash which allowed me to withdraw money to buy cheap stocks now. As a diversification in the portfolio it has behaved much better than gold, for example. In good times they make some profit and in bad times they protect the funds from going down too much with the overall market.
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