The idea that we chase rising acid classes and are always looking for te thing that's hot eventually usually comes down to bite us in the butt. Investors in these all in one funds more or less set it and forget it products. They end up earning, on aggregate, a higher investment return than the funds themselves. And so many investors will say, do you know what? That's just way too simple. I want more control, and i'm going to be able to do better on my own,. often doing research. This is always going to be a good thing to do m and so then diagram, intersection of money an purpose.