Salient points about building investment portfolios: 1) We cannot time the market because this is not how the Unit Trust game is played 2) Unit Trust is for retirement which allows significant time to lapse which in turn enables the market to stabilize over time to be able to deliver growth over the typical retirement period of more than 10-20 years. Refusal to play the game with 4 key As will not yield a good outcome for investments: 1) Being clear of the AIM - retirement -