A new year, a new chapter, a new challenge and most importantly a new you! Investors across the world have come back from their festive family vacations and returned to work. The list of resolutions is likely to be long and optimistic. Let me guess “Stop Smoking”, “Exercise More” and the best one yet “Save More.” All well intentioned and I hope you all achieve every single one of your personal goals. In fact I hope this post helps you achieve one of them. To the “Save More” investors, firstly I want to say well done. It is one of the most important decisions you will ever make and I hope for your sake and mine that you stick to it. So chances are you are all setting up some time to budget a