WHY CONNECTION MATTERS IN FINANCIAL PLANNING On the Camino (The Camino de Santiago, also known as the Way of St. James), you don’t just...

When you invest in a unit trust or model portfolio, it's natural to focus on the fund's name, past performance, or the reputation of the asset manager. But what actually powers your returns? The answer is simple: businesses. Think of your portfolio as a ship. The factsheet is the dashboard, the fund manager is the captain, and the businesses you're invested in are the engine room. They do the heavy lifting—producing, selling, and growing.

Most people plan their retirement by looking forward, trying to envision their perfect future. “What do I want to do? Where do you want to live?” Unfortunately, most people have no idea what they want. Ask someone to describe their ideal retirement and you’ll get vague answers. “Travel more.” “Spend time with family.” These sound nice, but they’re not specific enough for planning. Here’s a different approach that gets you better answers much faster: start with what you don’