strategy for average investors /Unfortunately, again, average Investors usually came in too late. /Chasing hot product or hot trendy funds have never been a good investment idea. Source: Morningstar Direct

information. • Recognise that human characteristics such as emotion can have an impact on investing decisions in unanticipated ways. • Recognise that discipline in investing can minimise behavioural biases. 7

alcohols buyers have been returning to market because they did not order raw materials for production for a while. Trendy to normal situation on supply side, many producers have been turning to operate