The most ironic thing is that, when buying a financial product, individual investors' needs are not taken into consideration. They believe you are just interested in return and market timing. All the commercial prose is all about the provider, not you!
When you invest sequentially, meaning month by month, how to keep your risk constant?
This articles demonstrates that you should worry to keep it constant in money terms and not percentage terms and what it implies in terms of risk selection at each period.
Productivity is a major challenge for modern day family offices and independent advisers. Regulatory constraints and investment selection costs have soared for the right reasons: customers protection. Thus how can technology help solve this without adding any operational complexity but rather freeing up time to focus on what they are best at?
Or close enough to nothing. Why? Not because we know that the rebound starts tomorrow (nobody knows that), but because selling after a bear market is a good way to lose money (as well as buying after a bull market).