If you were about to build your dream home would you first employ an architect to draw up some plans, or would you rush down to the local builders merchant and buy up this weeks special offers?
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The starting point of any financial plan should be to identify your lifestyle goals and then to tailor it to your current and ongoing financial ability to achieve them, not the traditional approach which simply bases your investment plan on your willingness to take on risk in order to chase unrealistic returns.
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