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The accumulation phase
During your accumulation phase, it can help to think of think of your personal wealth in 3 ‘wells’:
Well 1 – Liquid funds (<12 months)
These liquid funds can be actively managed, and while not a significant percentage of your overall wealth, should...
If you’re selling something that your competitors can do as well as you can then, frankly, who is going to care?
There will always be someone else prepared to deliver the same product or service, and someone will probably do it for less money as well.
On the other hand if you’re...
Buy and hold, or timing the market?
It’s an age-old debate, and one which doesn’t necessarily have a conclusive answer.
What is critical is not losing money, and continuing to compound your net worth over time.
At first your wealth grows steadily, until eventually it reaches an...
