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Evolution of investment products and the need for a change.

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Nearly every part of our lives has been enhanced by digital convenience, and the way of wealth generation is no exception. The digital asset momentum, driven by underpinning blockchain technologies, has far-reaching benefits that the millennials and even the gen z find a force to reckon with. Before deep-diving into modern investments, let’s take a step back and look at all the pieces encompassing the investment landscape.

Investment Assets: The past, the now, and the future

Investment instruments have evolved over the years, the resilient traditional assets are being replaced with modern highly rewarding, but volatile, assets.

While resilient traditional assets continue to hold a strong ground, growing popularity of modern investment assets is creating a strong competition. It has risen to prominence due to its high risk-reward nature. To recap, the basic categories of conventional assets include:
  • Stocks
  • Bonds
  • Real estate
  • Fixed deposit
  • Gold
Evaluation of investment products

Since the finance sector has seen a sharp uptick in digital transformation, digital assets have taken up more space, and the world of decentralized finance has witnessed a surge of innovative kinds of financial products. Here are a few:


The world’s first cryptocurrency is also the largest in market share (>40%) and valuation.


Ether is the chief cryptocurrency in Ethereum – the world’s largest blockchain network.


Launched in 2017, the ADA token named after French mathematician Ada Lovelace has exceeded a market cap of $71 billion.

Dogecoin (DOGE)

Launched in 2013, and now has a market cap of over $33 billion.


First introduced as Colored Coins in 2012, NFTs are a way of proving ownership over digital goods.

And today’s financial scenario has seen over 300 million people invest in crypto, with its daily trade volume rising to USD 82 billion.

A recent survey also indicated that a notable percentage of U.S. citizens consider cryptocurrencies for retirement options.

Much of the popularity growth in digital assets can be attributed to:

Evolution of investment products and the need for the change
Downside of modern investment assets

The downsides of modern investment assets

Bitcoins, NFTs, and cryptocurrencies are witnessing a meteoric rise, but they also have a few notable downsides. From being outlawed in many countries to not being regulated by the FCA (resulting in zero protection on investment), it is increasingly difficult for the crypto-types to gain acceptance from the masses. The troubles for the crypto-curious investors stack up even higher in the conversion department. As Bitcoin is not a fiat currency and is only limited to monetary value when converted to a cash equivalent, not many vendors go for its conversions for other cryptocurrency types. Additionally, the compact user base has made the currency increasingly volatile.

It is essential for investors not to get lured by high returns within a short timeframe and to remember that crypto markets are a highly risky and trouble-ridden game.

And yet, we know that cryptocurrencies (and other blockchain technologies) are here to stay.

The future of investing

While there is optimism for modern assets, there is a long way for it to be the investment option that people want it to be. This is majorly due to its high volatility. Just recently, on 13th June 2022, the total cryptocurrency market capitalization fell below $1 trillion this morning for the first time since February 2021.


With all the potential barriers to mass adoption, investors want to err on the safe side of modern investments. That is why, the future narrative is likely to expand the discussion of adopting some reliable and age-trusted aspects of conventional investment. One way to achieve this is through capital protected digital assets. In its simplest terms, regardless of what happens in the market, the minimum return will always be equal to the principal amount.


This will offer consumers everything they seek in an investment like decentralization, transparency, flexibility, and the chief one being risk mitigation.

Future of investing
Investment Products

The bottom line

Investing is a great way to make money work for you and enjoy long-term benefits if you’re looking to grow your wealth. There is a range of investment options for today’s investors, from safe, lower-return assets to riskier, higher-return ones. It’ll depend on your risk tolerance, knowledge of investing, financial situation, and convenience, to name a few.


Whether crypto, stock, or mutual funds, putting your eggs in every basket is always advisable to flatten the risk as much as possible. But managing such a portfolio can become challenging. One way to handle it better is through GreatOne.


GreatOne is a comprehensive portfolio evaluation platform that enables subscribers to protect the invested capital while positioning it to earn desirable returns. This is done in three broad parts: providing a consolidated overview of digital assets, diagnosing the investment portfolio, and providing you financial guidance.   


We cater to traditional and crypto investment vehicles to empower investors to build a healthy and balanced portfolio. So, if you’re an enthusiastic investor and want to manage and multiply your wealth, GreatOne is the place for you.


This commentary is provided as general information only and is in no way intended as investment advice, investment research, a research report or a recommendation. Any decision to invest or take any other action with respect to the securities discussed in this commentary may involve risks not discussed herein and such decisions should not be based solely on the information contained in this document.

Statements in this communication may include forward-looking information and/or may be based on various assumptions. The forward-looking statements and other views or opinions expressed herein are made as of the date of this publication. Actual future results or occurrences may differ significantly from those anticipated and there is no guarantee that any particular outcome will come to pass. The statements made herein are subject to change at any time. GreatOne disclaims any obligation to update or revise any statements or views expressed herein.

In considering any performance information included in this commentary, it should be noted that past performance is not a guarantee of future results and there can be no assurance that future results will be realized. Some or all of the information provided herein may be or be based on statements of opinion. In addition, certain information provided herein may be based on third-party sources, which information, although believed to be accurate, has not been independently verified. GreatOne and/or certain of its affiliates and/or clients hold and may, in the future, hold a financial interest in securities that are the same as or substantially similar to the securities discussed in this commentary. No claims are made as to the profitability of such financial interests, now, in the past or in the future and GreatOne and/or its clients may sell such financial interests at any time. The information provided herein is not intended to be, nor should it be construed as an offer to sell or a solicitation of any offer to buy any securities. This commentary has not been reviewed or approved by any regulatory authority and has been prepared without regard to the individual financial circumstances or objectives of persons who may receive it. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.

Dipika Patel

About the Author

Dipika Patel is founder and Managing Member, providing overall strategic guidance for the Great one.Dee has over 20+ years of experience in the hospitality industry and is a seasoned veteran in hotel operations and real estate across various states in United States.Dipika is the Chairwoman of the Patel Family Office, a responsible investment firm that manages family-owned sustainable businesses.

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