everyoneINVESTED is on a mission to democratise investing for all, regardless of age, financial literacy, or gender. With inclusivity at the heart of its goal, the firm aims to ensure everyone has access to investment opportunities, whether they are seasoned investors or just starting their financial journeys.
The company places the investor relationship firmly within a digital framework. From onboarding and investment proposals to portfolio reporting, everyoneINVESTED focuses on technology that connects emotionally with clients without requiring human intervention. This approach not only streamlines operations and scales services efficiently but also maintains a sharp focus on individual client needs. By aligning investment outcomes with personal preferences, firms can foster greater investor commitment and retention.
Understanding client preferences is more than just regulatory compliance—it is about building genuine, long-term relationships. While regulatory requirements like MiFID in Europe mandate suitability assessments, everyoneINVESTED sees them as an opportunity to deepen client engagement. Their solution uses behavioural finance insights to dynamically assess multiple aspects of an investor’s risk and reward preferences, creating a more personalised and effective investment experience.
The effectiveness of this digital-first profiling tool has been demonstrated across several major markets. In France, investors showed a preference for personalised, behaviour-driven risk profiles. In Italy, research suggested that Italian investors might be less emotionally driven than their French counterparts.
Notably, its research continues to affirm that women generally exhibit greater risk aversion compared to men, echoing long-standing academic findings. However, caution is necessary when interpreting these averages, as individual differences within each gender remain significant.
everyoneINVESTED believes that banks must go beyond simple categorisations when tailoring investment services. Recognising the meaningful, but nuanced, differences between men’s and women’s risk attitudes, the firm advises partners to implement advanced profiling tools. Rather than relying on broad assumptions, banks should aim to capture detailed, individualised client preferences to truly personalise their investment offerings.
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