We invest our money in fixed income or stock market, hoping it could grow faster than the depositing in a risk-free bank account. We call this as investment, while the money is termed AuM. A risk-reward notion emerges when we talk about the characteristic of financial market. There are many asset classes and instruments available on the market, characterizing different level of risk, most of which are only accessible to professionals. However, despite the long history of financial services, it looks does not change a lot. When putting an eye on other industries, we can easily perceive their development progress. By the way of example, mass production and technological improvement lower the price of an automotive, making it affordable to almost all the households.