But I think there are a lot of people who over-save and under-invest is perhaps the best way I can describe it.

One of the key concepts, the simple but most profound concept that I learned when I was doing my investment studies is that of investment term.

This concept was clarified when I was actually doing some elective units at the University of Chicago Booth School of Business.

Just as an aside, how do you know someone has an MBA? They're going to tell you, right? They're going to tell you.

Just to be clear, I didn't study full-time at that university or graduate there, but I did have the very fortunate opportunity to spend three months on an exchange program through Wits Business School, which is where I did my MBA.

University of Chicago Booth School of Business is the top finance school in the world.

It was when I did it.

So how do investors actually go about addressing that risk and making sure that they're not falling foul of the need to diversify?