One of the basic principles of accumulating wealth is to spend less than you earn and invest the difference.  Although this is a basic and straight forward concept, the majority of people actually practice the complete opposite, they spend more than they earn and borrow the difference.

Investing can either be a regular contribution or a lump sum, and there are many investment strategies and investment vehicles with different risks, charges and tax treatments.

Whether you are investing a regular sum, or alternatively a lump sum, it is important to consider the options available to you to ensure that your investments are right for your individual risk tolerance, time frame and objectives.

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