We shouldn’t automatically assume what has happened before, will happen again; however, what has happened in the past can serve as a guide on what to expect. With 2022 having recorded a double-digit loss for investors, what should we expect for 2023 and beyond?

At the time of writing, we’re looking at a sell-off of-22.8% in global equity markets; if you are invested in the right asset classes, with proper risk and portfolio management, the forward returns could be tremendous.

Lately, financial media have been pushing out opinions from billionaires, banks, investment managers and just about anybody who wants to appear smart, on the breadth, depth and scope of the “upcoming recession”. So what does all of this mean to you and your money?

When is the best time to invest? The common refrain would be to wait for the ‘best time’ to put your money to work. But the truth is you don’t need to wait for the best time to still get good results.

How much of investment success is a matter of luck?