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They are paid by the fund, and are expressed as an annual percentage of the total value of the fund. While you dont pay these expenses directly, they affect you because they reduce the funds returns. The MER is charged whether or not the fund does well, and is based on the average value of the fund.

To understand these rules better, for example, relating to potential conflicts of interest between advisors and clients, it is recommended to contact the SROs directly. Advising representatives and the firms they work for provide investment advice and manage your portfolio according to the instructions or discretionary authority you have given.