Drawing from insights gleaned from past performance of the investments made by Lufax customers, Gibb arrives at two observations: that customers in China by and large still do not practice diversification enough, and that their investments tend to have short horizons and frequent turnovers. "The average investment horizon for public equity funds across the Lufax platform is 100 days. We have seen cases where customers rushed to exit one week into their investment when the annualized return reached 5%, which within one week timeframe is but a 1‰ increase," shared Gibb. Gibb opines cases such as this affirm the necessity of investor education – that diversification reduces exposure and enables better risk management, and that by accepting a reasonable amount of volatility customers will fare better in the long run.