Actually it’s Time in the Market that’s important.

As you know, our invest philosophy is index tracking. That means rather than use a fund manager to determine what to buy and when to buy it, we just track the market average. This approach to investing has three significant benefits.

The first is cost. Index tracking funds are cheap. This reduces the amount of money taken from your investments (compared to an active manager). The second is performance. As counter intuitive as it sounds index tracking investments are good. In fact they are very good overt he long run and much better than most active fund managers. You can beat two thirds of all professional investors simply by tracking the market average. The final benefit of an index tracking investment solution is that you can forget about it. Just own the investments for a long time and the markets will do what the markets do – deliver long term returns. But don’t just take our word for it. Have a go yourself.

Here’s a game for you to try and beat the market. Click on this link: https://www.personalfinanceclub.com/time-the-market-game/

When the page loads click “Start”. The game will pick a random 10 year period from the US stock market. All you’ve got to do is click “Sell” before the market goes down and click “Buy” before the market goes up. Simple. Good luck.

Let us know how you do.