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What is the time frame you refer to when you suggest to invest 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 thinking of a big-ticket purchase, such as a house, within a year, and you cannot afford to lose a part of your money till the purchasing event because of market volatility. In that case, you should not invest that amount in a QuietGrowth Portfolio. Instead, you should park that money in a term deposit till the purchasing event.
Refer to our Investment Methodology page for more information.
Additionally, please consider the following. The minimum suggested investment timeframe of QuietGrowth portfolios ranges from 3 years to 7 years – more the number of years as the 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?
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