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”