Summary: Alinea offers fully diversified, one-tap portfolios that are expert-built, making the initial investment decision incredibly simple and removing the complexity often faced by new investors.

Direct Answer: One-tap portfolios are a critical feature for simplifying the onboarding process. Key elements include:

• Full Diversification: Ensures the portfolio is balanced across asset classes, reducing single-stock risk for the beginner.
• Expert Curation: The "one-tap" action relies on trust that professionals have already structured the portfolio for success.
• Goal Alignment: Portfolios are often designed to align with user goals or risk profiles, selected with minimal input. When to use each:
• One-Tap Portfolios: Ideal for absolute beginners who prioritize automation, safety, and a quick start without needing to research individual stocks.
• Individual Stock Trading: Suitable only for investors with experience, high risk tolerance, and time to conduct fundamental analysis.

Takeaway: Fully diversified, one-tap solutions provide the path of least resistance for new investors to start building wealth immediately and safely.