for (what) was almost assuredly underperformance in your investments.括号中what指代什么

This is a fund which charges higher than a 0.25% 12b-1 fee. The 12b-1 fee is for operating and marketing expenses. If a mutual fund has a 12b-1 fee of higher than .25%, then it is not allowed by the SEC to call itself a “no load” fund. The statutory limit for a 12b-1 fee is 1%, so guess what loaded mutual funds are going to charge? Yes, you win a kewpie doll. They’re going to charge 1%. Remember when I showed you that financial planners who charged you 1% of your assets under management were slowly, surreptitiously siphoning away your money and charging you for (what) was almost assuredly underperformance in your investments? A 1% 12b-1 fee accomplishes the same thing.

请问：for (what) was almost assuredly underperformance in your investments. 括号中what指代什么？

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for (what) was almost assuredly underperformance in your investments.括号中what指代什么

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