Many people suffer from overconfidence bias — the tendency to believe we are better at something than we actually are — when it comes to managing their finances. Those who have full-time jobs or run a business lack the time, the energy, and sometimes the inclination to manage their finances. Many don’t possess the requisite knowledge. Several behavioural issues, like loss aversion, also creep in when making money-related decisions, further hampering the ability to do a good job. When the odds are so heavily stacked against us, the best thing to do for most investors would be to hand over