Your Life and Investment returns won’t always Match
Your life events and timing of access to your funds won’t always match the unpredictable and inconsistent nature of financial market returns.
The opportune moments to invest are unlikely to correspond with the most convenient time for you to put away your money.
Furthermore, the timescale for an attractive return may not fit in with your need for getting your hands on the money.
Perhaps on occasion then, you should consider adapting your life to financial markets, not the other way around.
This often happens when you experience losses, holding out for a return to profit/break even, yet perhaps you should consider adapting from the outset?
Maybe you should set aside money and treat it as separate to your own life. Then you can use these funds to pursue purely sensible investments and enjoy the returns after they have materialised, whether this be in 1 year, 10 years or 25 years time.
Unfortunately you cannot entirely detach from your money because, for the vast majority of us at least, it needs to be used for our families and ourselves.
This leads me to conclude from these observations the following.
Therefore you won’t always benefit from all of the financial returns available, as you need to follow a strategy that fits in with your life.
Some of us will be able to set aside funds solely in the pursuit of opportunity, yet for most of us, we have to set aside funds in the pursuit of living our lives.