That's part of the problem I see with the article. The other problem is that what is defined as sophisticated investments? How is it more sophisticated if I app

That's part of the problem I see with the article. The other problem is that what is defined as sophisticated investments? How is it more sophisticated if I apply commonly known strategies to minimize risk in the markets through diversifying the stocks/funds I hold? I'm not quite sure this is all that sophisticated when you're just an investor, but maybe I'm biased.