I have been advising clients since 1998. Having gone through multiple financial crises, the greatest being the one in 2008, I know through experience and with evidence that in order to give clients a good investment outcome, the following steps are necessary:
•Having a suitable asset allocation (different proportion of money invested in equities and bonds) based on clients' needs and ability and willingness to bear risk. This is done based on an understanding of their current financial situation and future goals as documented in their financial plan;
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