What’s the difference between a DIY, D2C and B2C platform?

The difference between Do It Yourself, Direct to Consumer and Business to Consumer is relatively minimal.


DIY means do it yourself and we’ve chosen to use that term here because most people understand the concept of doing it themselves. These investment platforms are managed by the client themselves, most DIY platforms charge a smaller fee as there is a minimum interaction between platform and consumer.

D2C means Direct to Consumer while B2C means Business to Consumer. They’re both business terms that mean that the provider is providing a service to you, the consumer. The business, in this case, is the platform that may be relaying advice for which funds to pick on the platforms. This is seen to add value and therefore a larger fee is allocated to your platform account.