You don’t need superior intellect to be an intelligent investor. The best chance for investment success is to take ownership of your finances in a sensible way — with balance, discipline, and diversification.

Bonds are primarily meant to stabilise your portfolio and provide a buffer during volatility. Buying them for returns or yield can be dangerous and expose you to hidden risks.

Markets may seem scary right now, but there is no need to panic.

The financial news is full of shocking pronouncements of doom. Should you be worried yet?