Ann: Funds Under Management - December 2021, page-107

That's right. For an average Joe, he doesn't need a stock picker in the last couple of years when everyone can buy shares with either easy money (government hand outs) or cheap money (low interest rate loan). And with low interest rate, the above average Joe (richer with plenty of cash in bank) would want to use his cash more wisely and shares do give a lot better return at just slightly higher risk (because the average Joe buy everything). Now that soon changes, without easy money and cheap money, only money making, or quality growth stocks to stay ahead. We again need stock pickers.