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In the short term, investing can often seem a largely random exercise, where success or failure is determined by a combination of factors – many of which are beyond our control. Over the longer term, successful investing can be achieved by adherence to a small number of easily understood guidelines such as diversification and seeking expert advice. The cardinal ‘golden rule’ for investing is the knowledge of how time can impact investment risk and performance, and allowing sufficient time for your investment strategies to achieve their potential.