I would argue that financial planning, be it conscious or unconscious, controlled or uncontrolled, starts around primary or latest secondary school, when your future academic and career paths already start to be defined and will potentially be compounded over decades....
Bad investment performance? Why is that: many bad decisions? Or just one or two bad ones? Solid but unlucky decisions? And is it with respect to instruments selected? Or sector choices? Or maybe even at an asset class level? And that good investment manager you...
An investment process, be it formalised or informal, be it in the context of an asset manager or an individual investor, encompasses all information, actions and decisions from data gathering through analysis down to actual investment decisions and even further, with...
There are various risk management frameworks that became popular but pretty much all cover the stages of risk identification, measurement, mitigation/management, monitoring and reporting. Directly or indirectly, governance is attached to or included in the framework....
