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What is the time frame you refer to when you suggest investing for the long term?
QuietGrowth has built risk-optimised portfolios with a long-term perspective. To enjoy the benefits of diversification of QuietGrowth portfolios in an increasing manner, you would need to stay invested for at least 10 years in that portfolio. The probability of investment loss in a diversified portfolio decreases as you stay invested for more years.
So, ideally, your investments with a short time-horizon of a few months or a year should not include your investment in QuietGrowth portfolios. Suppose you are considering a big-ticket purchase, such as a house, within a year, and you cannot afford to lose any of your money until the purchase event due to market volatility. In that case, you should not invest that amount in a QuietGrowth Portfolio. Instead, park that money in a term deposit till the purchase event.
Refer to our Investment Methodology page for more information.
Additionally, please consider the following. The minimum suggested investment timeframe for QuietGrowth portfolios ranges from 3 to 7 years – the number of years increases as portfolio risk increases. Refer to our Target Market Determinations to know the minimum suggested investment timeframe of each QuietGrowth MDA Portfolio.
Also read the answers to the related questions:
- Is there a lock-in period?
- Why don't you display 1-year and 3-year portfolio returns, in addition to 10-year returns?
- Why do you emphasise the recent rolling 10-year annualised return more than the 'since inception' annualised return?
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