Little and often over the long term

I wanted to share this graph with you as it helps illustrate a number of financial planning points.  The graph comes after a client brought in a bunch of paperwork for financial products they took out mid career because they were told, it was a good thing to do.  They just kept investing regular sums.  On opening their annual investment statement, they discovered that the unit price of the fund had fallen and seeing only the snapshot of falling prices over the last year, it was only natural to feel concerned. 

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