Successful investing in pooled investment products like unit trust, investment linked policy and exchange traded funds requires focus on the controllable factors of investing. These are the correct holding period for the particular asset class and what you will do when the market is down. In the UT/ILP Investment Sales Master Class we demonstrate the benefits of topping up the portfolio during downturns.

But asking the customer to top-up when their portfolio is losing value is not easy. That is why the discussion on topping up must happen before the customer has invested a single cent. It’s like a vaccination. You don’t take a vaccination when you have a disease. You take the vaccination much before. So, when you get the disease, your body is in a much better position to fight the infection.