Right.

That's a great strategy.

So that's one thing.

Diversify is another one.

So if you're worried or nervous, make sure you are not putting too much into one fund or one share or one asset, because actually we know that having too much in a poor performing asset can really be detrimental to your long-term returns.

So managed funds and ETFs are a really good way to get that diversification.

So a Milford managed fund, which is actively managed, where we're managing those risks for you, is giving you access to lots of different companies across different countries, different sectors, different industries.

... "Well, this isn't quite, uh, risky enough for me," or, "I'd like to pull back a bit here"? Can you have it specialized, I guess, is what I'm saying.

So let's start with, because people are always asking me when, like, is now a good time to invest? You know, is that either the market's low so I should jump in or the market's on the way up so I should ride the wave? Is it a smart question to ask?

It's a very smart question to ask.

So in terms of the top five mistakes we see, one of the most common ones for new investors is waiting for that perfect time to invest or the right time to invest.

They're waiting for a dip in the markets or for things to feel cheaper and they're waiting for the bargain that may never come.

So we really want investors, if you're ready to start investing, invest.

Don't wait for that dip because it's inherently hard to know when the next one's coming along and you may miss out on getting your money working really hard for you in the meantime.

Another common mistake we see with that is sort of timing the market as well.

Yes,