Neil (38) has been managing his own investments with a view to saving money for his retirement. He has disposable income to invest but he is not a knowledgeable investor, so he has been investing in money market funds and guaranteed investment certificates (GICs). However, interest rates have been very low and his returns have been eroded by inflation for a prolonged period. Which of the following BEST describes what Neil has a need for? liquidity tax-advantaged investing diversification capital preservation