'The time many people think is best to invest is period just before a crash'

"Those who try to time it, tend to end up buying high and selling low.”   

Smith said Barclays Wealth was looking to academia as well as to its own research to help them understand client behaviour in future, but one thing which has become apparent is that while younger clients have a preference for technology, older clients prefer to operate in a more traditional way. 

He said the company did not have a “robo-advice” product, but used technology sufficiently frequently that it is a “hybrid model.”