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The answer to this question depends on the individual preferences and skills of the investor. Here are both sides: **Downside:** 1. Lack of Control: The participant does not have full control over managing their assets, which may be uncomfortable for people who like to have full control over their finances. 2. Limited Investment Options: Participants in the program may have limited choices of specific investments or investment strategies, which may be seen as a disadvantage. **Upside:** 1. Professional Management: The OIPE program provider has experience and knowledge in asset management, which can be beneficial in achieving investment goals. 2. Risk Reduction: The OIPE program can be designed to minimize the risk in the asset portfolio, which is particularly important in the retirement age perspective. 3. Decreased Need for Market Monitoring: Participants do not have to actively track and analyze financial markets, which can be convenient for people who lack time or interest in such activity. In summary, the inability to independently manage assets in the OIPE program can be perceived as both a disadvantage and an advantage, depending on the individual investor's preferences. It is important for each person to evaluate whether such a program suits their needs and investment goals.

According to me, the lack of the possibility to independently manage assets in the OIPE program is a disadvantage because it means a lack of control over our own investments. Often, we know our own needs and financial goals best, which is why making investment decisions independently can be crucial for achieving the intended goals. If we have to rely on the investment plan provided by the provider, we may not be satisfied with the results or have full confidence in the way our assets are managed. The lack of the possibility to independently manage assets can also mean a lack of flexibility and adaptation to changing market conditions. It is important for the OIPE program participant to have the option to choose between managing assets by the provider or managing them independently, in order to tailor the investment strategy to their own needs and preferences.

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