There are lots of things you could consider in managing your investments. And yet, investor success all boils down to just three factors: time, diversification and self-regulation. Investors who manage without the support of a Professional Advisor often do not succeed in profiting as well as the market as a whole – in fact, on average, the investment returns enjoyed by DIY investors is below inflation so: net negative. Why? Because our instincts work against us when it comes to managing investment portfolios. Plus these markets are highly marketed (and advertising can be persuasive). Which is why self-regulation is the greatest key to success – and the support of a Financial Planner or Investment Manager can make all the difference.