Investing is nothing to do with talent, nor are gains just handed out for making an appearance on the first day. You also don’t get the choice of when you show up to collect the gains before leaving again. If only it was that easy.

Every year we’ll be confronted with a multitude of disasters. Sombre yes, but a fact regardless. Maybe they won’t affect us personally, but they’ll appear before us on the news and they should be pause for reflection.