Smart Investing
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When investment writers talk about "realistic expectations" it is normally about alerting investors to the fact that high market returns should not be expected to continue.
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You have probably heard the messages many times: save enough for retirement, pay off your mortgage before you retire, take income-protection insurance and so forth - the must-do list for our money seems endless.
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Those who entered the workforce in the past decade or so need look no further than many of the baby boomers for telling illustrations of the need to save.
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Balance is something we often aspire to but fall short of achieving both in life and investing.
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Spare a thought for the fledgling savings of Generation Y, the members of population who have entered the workforce within the past 10 years or so.
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