1. Plan for a long life
Thanks to medical advances and healthier lifestyles, many of us will live longer than we realise.
2. Cash is rarely king
Cash is often seen as a safe move in volatile times, but when interest rates are low, holding too much cash can limit opportunities for returns above inflation.
3. Compounding works miracles
The magic of compound interest can reap huge rewards when the seeds of investment are sown early.
4. Volatility is normal; don’t panic
It can be tempting to step off the train when the ride gets bumpy, but ups and downs are normal and won’t necessarily stop you reaching your destination.
5. Staying invested matters
When it comes to retirement planning, slow and steady wins the race.
6. Diversification works
As history shows, volatile market conditions can hit individual asset classes hard, risking devastation of returns for investors growing only one crop. A well-diversified portfolio ensures your invest