Key points are as follows…

· Periods of declines and volatility in share markets are a normal part of the way they work.

· Share market falls tend to be deepest when associated with recession (particularly US recessions).

· Share market falls boost the medium term return potential from shares and once share markets bottom they are invariably followed by a strong rebound. Trying to time the bottom though is always hard, so averaging in after falls makes sense for those looking to allocate cash to shares.

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