Cost-effective access to multi-asset investment may well provide the type of investment that the Jones’s require. They appear to have some flexibility in their timescale, and are looking to invest monthly, which can reduce the impact of short-term volatility. The potentially high level of diversification in multi-asset investments will reduce their exposure to any one class of investment, which may be a benefit to those with less experience.
Mr Morris has a clear investment objective, and plenty of time to achieve it. Wide diversification into multi-asset investments provides him with the best opportunity to effectively plan for his children’s future. By further diversifying his personal investments to include residential property, he isn’t removing risk from his investments, but is reducing the likely impact of any one financial shock.
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