What's actually going on with banks?

I inherited a good amount last year, most of which was in deka funds and certificates. After having to understand what I have and what it does, I decided that it didn't work for me and I would like to simplify it. So the plan was to throw the majority of it into a FTSE World via Scalable and forget about the next 10-15 years. So I slowly started to rearrange everything. I probably have a weird workflow with 1 position