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Very few investors succeed in buying at the bottom of the market and selling at the top. Use the sliders below the chart to see how mis-timing the market affects performance. Read more about focusing on the long term.

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Past performance is not a reliable indicator of future results.

The value of investments, and the income from them, may fall or rise and investors may get back less than they invested.

This graph is based on the past performance of the FTSE All-Share. The basis of performance is nav-to-nav with gross income reinvested. This index does not reflect a particular investment and excludes the costs associated with making an investment. Data period 01/01/90 - 31/12/15.