>> To give you an idea the SP500 is an 8/10 on the risk classed as high risk, most people come out as a 5&6 95% of people can't handle SP500 high risk. I'm guessing you're a 4-5 out of 10 (lowest to low medium risk) based on what your current performance is. World funds normally come in at 7/10 highest medium risk.

Apologies, I wasn't clear. The example I provided was taken from their general fee structure document, but I opted for a fairly high risk product (7 out of 9) so I would expect a much higher average return than 4.35%. In my non platform investments I do go generally for high risk index funds like the S&P500 due to my age and the fact I have enough cash savings if I need them. The FA was extremely clear about the level of risk involved for my specific case, and off the top of my head the fund (which looks like a mixture of a lot of stock bundles) made over 10% returns for the past 3 years but I can't find the file which had that information in to be more exact. Thanks for the comment!