Investors are like travellers on their way to a desired destination. Either you drive yourself or use somebody else’s service. To drive or to be driven is a choice based on utility, just as it is in managing money.

If the investor chooses to be driven, then comes the question of what type of service he or she requires. Cheap and standard, or custom-made and more expensive? It is like the choice between a bus, a cheap but inflexible solution, or a taxi, which costs more but offers a bespoke service.