Investment assets can be intimidating, especially with long-term commitments. Inflation can be difficult to assess, and it can reduce a promising option to financial losses. If the inflation rate outgrows your assets’ value, your net worth takes a hit.
Working with joint investments can be complicated. It would help if you managed expenses and capital ratios, and that's already complex. However, it can also be somewhat uncomfortable. Splitting dividends from returns can be a social challenge.