In the past, individuals have had to contend with a limited number of investment options that are often too costly. Today, we suffer from the paradox of choice – we simply have too many options – besides stocks, bonds, unit trusts, endowment plans, investment-linked policies (ILPs), we now have exchange traded funds (ETFs) and roboadvisors. It has become intimidating to decide, so intimidating that we rather procrastinate on investing, until we are sure. The thing is, the investment options will keep expanding while our investment horizon gets shorter – decision making will only get more difficult later, not easier. DBS launched a digital advisory within to solve this issue. You can find it by clicking on the ‘Plan’ tab in your digibank app right now. I prefer to see it as a meta-investment advisor. “Meta” because it covers the widest range of products – from Unit Trusts and ETFs to insurance products such as Endowment and ILPs, and not forgetting a robo-advisor, digiPortfolio.