Goals in personal investing and wealth management should be driven by projected cash flow requirements and not by the acquisition of wealth. The planning should be focused on attaining a fund adequate to secure your needs. Too many people lose sight of the purpose of their assets and take excessive risks to accumulate additional assets when the increased amounts would not change their financial situation one iota, but a modest loss would cause a curtailing of some of their planned activities. Keep in mind that losses usually hurt more than gains benefit.
Make realistic goals and use them to lead your decisions.
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Personal Financial Goals « The Partners' Network