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You can still be active with your investments and have a long-term strategy

While the old adage that the best investment returns are made on a long-term basis has held true for many decades, this does not mean that you should not review your investments on a regular basis and make changes where necessary. A number of surveys in the past have shown that many people still retain substantial pension fund investments in underperforming funds which are not working for them. So what can you do?

A long-term investment strategy does not mean they cannot take profits in the short, medium or longer term or indeed crystallise losses and move on. There is no point in "flogging a dead horse" and sticking with a fund which has underperformed for some time in the hope that it will turn around. While we do not suggest regular switching between funds for the sake of it, you do need to be aware of any potential changes in investment strategy and investment returns from any of your fund managers.

You can keep a long-term strategy but adjust your investments along the way in order to try and position yourself for the future. Don't over switch your investments, but be aware of the performance of individual investments and individual funds.

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