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the assets in an emergency fund). what to expect from your portfolios
Understand that your plan needs through different market cycles, so
this exposure to the risk associated you can manage your behaviour
with the returns that growth when markets react unexpectedly. diversify your portfolio so that you
assets are more likely to deliver. are not exposed to the concentration
DON’T FALL FOR THE risk that can result from having
TIME IN THE MARKET IS LATEST FAD ‘all your eggs in one basket’.
EVERYTHING Not all investors in any given asset
Don’t try to time the market. Not class participate in the indicative REVISIT YOUR PLAN
only is this almost impossible to returns of that asset class. This ANNUALLY
do with any certainty, but it also applies to listed and unlisted A regular assessment of your plan is
carries a high degree of risk. The growth assets, as well as regulated crucial to ensure you’re on track. One
optimal way to achieve consistent and unregulated ones. Be sure to of the best ways of making sure that
and attractive returns is to be invest in assets around which you your holistic financial plan continues
invested through all market cycles can plan your investment goals, to be well balanced and co-ordinated
according to a time horizon and which will help achieve the to deliver on all of your investment
appropriate to your plan. Ensure returns expected of these asset goals is to regularly re-evaluate your
that your financial planner explains classes. Importantly, make sure you plan with your financial adviser.

Photo by Katt Yukawa on Unsplash

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