As an example, check the performance of the last 3 years "beginning of the year" tips from the Guardian:
2016 FTSE: +14.4% Guardian tips: -12.3%
2017 +7.63% / -0.28%
2018 -12.5% / -27.7%
An under-performance of 44% to the index over that time! Following their tips over the last 3 years would have seen your money eroded by nearly 37% before inflation.
For further proof, read the thread below titled "testing the theory that stockbrokers tips are useless"
Share tips are always crap.As an example, check the performance of the last 3 years "beginning of the year" tips from the Guardian:2016FTSE: +14.4% Guardian tips: -12.3%2017+7.63% / -0.28%2018-12.5% / -27.7%An under-performance of 44% to the inde