The financial services sector is very good at creating noise. As representatives of the financial services community, we are fully aware of the huge range of products and services offered by investment companies. Each product and service is backed up by a vast array of marketing information to demonstrate their ability to deliver the best returns. The choice is bewildering and with all these companies offering the next best thing, when they speak at the same time, just like being in a crowded room, the noise created can be quite deafening. For the investor, making an informed decision in this environment is almost impossible.