As the year draws to a very sudden close, investors and advisors often reflect on the year that has been. How did markets do? How did portfolios fare? Most importantly, did they stack up in relation to long term investment objectives? If none of the above panned out according to plan, then the new year often starts with a change in strategy and approach to give investors the feeling that they are starting afresh and off a clean slate. A bit like giving back the “broken toy” referred to in the October 2018 Newsletter We have new year’s resolutions, we come back with renewed energy and big ambitions to right all our wrongs. It seems to be the same every year no matter who you are and where y