rational investment decisions but their decisions are usually influenced by several factors and restrictions; emotion, beliefs and biases, for example. Those factors and restrictions cause investors to

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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

4 6 8 10 12 14 -2 0 2 4 6 8 10 12 14 0 1 2 3 4 5 Star rating by Morningstar Cheap & well-performing funds attract large inflow over 2014. Note: tracking errors are based on the primary prospectus