For most people the discipline of regular saving is the critical factor when it comes to a stress-free retirement, or simply keeping out of debt.

Kicking yourself because you didn’t choose the number one fund over three years, worse over six months, is a futile exercise. It is wiser to look at firms with a solid research base, not a couple of flamboyant superstars. This is even more important today as the quality of stockbroker research has declined significantly over the past 20 years...

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