SAJ theory is great, but doesn't work in practise.
The idea of the small account journey is great. Unfortunately, SAJ hasn't learned to mitigate it's losses and ultimately is a losing process because of it. At least Jason Bond appears to try and work for the clients. As opposed to Jeff Bishop whose picks are useless. I might as well throw darts for my picks. There are never any guarantees with a service but these guys are far more interested in pitching new products than in making previously introduced services actually work.