The secret wasn’t timing; it was consistency. Investors who avoided the temptation to trade in and out of positions captured the power of compounding growth in businesses with durable cash flows and expanding global ecosystems.

Everyone, at some point, has wondered: “What if I had just invested that £100 instead of spending it?” It’s a simple question, but one that illustrates the single most powerful idea in personal finance — the effect of time on money.

“It is during our darkest moments that we must focus to see the light.” - Aristotle Onassis The year 2020 - It’s half the year now, June...