Asset Allocation is the primary portfolio decision

The most important decision for your investment portfolio is your recommended asset allocation.  This is because numerous studies have shown that your chosen asset allocation is responsible for more than 90% in the variability of returns between portfolios.

Our month wandering in our caravan has sadly come to an end. I wanted to let you know that all has gone smoothly with our
Centrelink payments, which started whilst we were away. Also, the monthly amount is coming from
our super as expected. Thank-you for all you have done to make our transition to retirement so easy.

Margaret and Chris

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