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Finweek English Edition - - COLLECTIVE INSIGHT -

Mass cus­tomi­sa­tion ver­sus mass pro­duc­tion

Mass pro­duc­tion (as in prod­uct) has hap­pened a long time ago in in­vest­ment man­age­ment through the in­tro­duc­tion of mu­tual funds and more re­cently ex­change­traded funds. The new fron­tier in re­tire­ment in­vest­ing is mass cus­tomi­sa­tion (as in cus­tomised so­lu­tion), which by def­i­ni­tion is a man­u­fac­tur­ing and dis­tri­bu­tion tech­nique com­bin­ing the flex­i­bil­ity and per­son­al­i­sa­tion of “cus­tom-made” with the low unit costs as­so­ci­ated with mass pro­duc­tion. The true chal­lenge is in­deed to find a way to pro­vide a large num­ber of in­di­vid­ual in­vestors with mean­ing­ful ded­i­cated in­vest­ment so­lu­tions.

Dif­fer­ent in­vestors have dif­fer­ent goals, as dis­cussed above. There­fore the safe goal­hedg­ing build­ing blocks should be (mass)

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