IMPROVE THE FINANCIAL LIVES OF MANY

At the individual level, the investing problem and the betterment of one's own financial life is a functional issue. What do I mean by functional? I mean it's more a technical problem to be tackled and solved.

 

If an investor can master the skills of investing and trading, that investor would do quite well financially. As a result, quality of life goes up.

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However, not every one has a high quality financial life. Despite the immense size of the financial industry and the expertise it employs, too many people are left under-served, or outright unserved. 

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Dig a little deeper into the structures and networks inside the financial industry, you would find areas of 'deficiency'. Sometimes, these deficiencies exist for reasonable reasons, other times, they exist unnecessarily. 

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And when we compound the experiences of those under-serviced and un-serviced , quickly, we can see what a tremendous social problem this is.

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We call those who are under-serviced and un-serviced the ones that are 'left behind'.

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A Network of Problems

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Let's focus on the end-consumer, for they are the ones we are ultimately concerned about.

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Why are people under-serviced and un-serviced by the financial industry?

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A Lack of Personalisation

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For one, most people would not pay the thousands of dollars required to get personal financial advices.

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Some in this group would then pursue self-education. They may succeed in getting into a fund, passive or active.

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However, many in this group would not pursue a DIY option because there is a lack of personalisation in an DIY option. To a fund, an investor is just an account number. The fund really does not care and does not need to know too much about the investor's goals, strategy and specific needs.

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This lack of personalisation is what keeps many people out of the market. Of course, they can use an advisor for a personalised service. But the cost of comprehensive advice puts a final nail in the coffin, discouraging the investor to even have a chance of a quality financial life. 

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Unnecessary Complexity

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Cost of Professional Help

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