We all know we should invest our money wisely but, with all the investment choices available, it’s hard to know where to invest and what to invest in. There are literally hundreds of combinations of asset categories, across different countries, themes and sectors.

Some people maybe just too scared to invest, instead investing, they just leave the money in their bank account year after year, and waste the opportunities to improve their return.

To investment, everybody’s needs and goals are different, their appetites to risk are different, and will change over time.