Great expectations?

Do you dream of a rich retirement? Or do you just want to be comfortable? Either way, you’d better start saving and investing. The pensions crises in many countries mean very few of us will be able to live the good life on government hand-outs in the future.

If you have a private pension fund there’s a good chance you’ll have a put a decent chunk of it into the equity markets. This is because, as we’re often told, stock markets should provide better expected long-term returns than most other

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