Whether it is mutual funds, hedge funds, private equity funds, managed accounts, individual securities or any other alternative investment, one can safely assume that the needs of high net worth individuals are catered for by both local and international banks and financial institutions. There is a plethora of financial products and services to address the needs of these individuals, and for banks and financial institutions, it makes empirical sense to target them since they possess the largest sums of money. But what about the individual with a couple thousand dollars who does not even qualify to buy a mutual fund at a bank because the required minimum investment is anywhere from $5,000 to $100,000? How about the individual who has zero cash saved up, but would like to start an investment plan on an ongoing basis? What saving or investment options are they left with? Common challenges There are two factors that impair
