Investment markets will fall and rise, over the long term they should go up, get in the markets as early as you can and stay there, using your money as the energy to allow you freedom.
You are either invested or not, if you are invested then let the investments do what they do, forget the noise from the media and live your life.
Invest for the Long Term – time in market not timing market, long term investing is one of the most important investing principles because short term trading usually leads to poor long-term performance. The long term will take care of itself if you make wise investment decisions.
We cannot predict the future and the past cannot help us either. Looking back gives all kinds of results depending on when in time you wish to look back, we will not manipulate the results to provide better outcomes.
Your plan is where you should spend your time and physical energy, your money is the vehicle to help you achieve your plan.
There is no right or wrong answer to the active/passive debate and it is likely that a mix of both is required and that this mix will vary from client to client. Active funds try to beat the market while passive funds aim to deliver the market return.
Passive management doesn’t guarantee success, but it does drive costs down, meaning you keep more of the return to help you reach your goals sooner.
Our aim is to keep overall cost of ownership low, meaning passive usage may be more dominant.
Investments may fall as well as rise, you may not get back what you put in.