The Bank of America recently declared that the 60/40 portfolio is dead. Yet many similar death reports in the past have proved to be unfounded.

A good advisor can add about 3% a year to your net investment returns. They do this by keeping you on track, keeping costs low and helping you avoid bad financial decisions.

Your behaviour is a huge factor in investment success. Humans are naturally hard-wired to make bad investment decisions. Self-awareness and preparation are crucial in order to avoid failure.

Market returns are compensation for the risk that investors take. While investors stand a moderate chance of losing money in the short term, holding investments over the very long term can nearly guarantee a long-run positive return.

Evidence-Based Investing is a way to consistently get higher returns and outperform the broad market by utilising the beneficial aspects of passive investing.

Indexing benefits investors through broad diversification and the ability to capture the returns of the entire market.

We all know how important it is to invest. Yet investors’ attempts to beat the market with stock picking and other active investing techniques fail more often than succeed. What then should we do?