My first and most important priority is to make money and, after that, to beat the market. I use the FTSE All-Share (Total Return) Index as my market benchmark, given that it covers around 98 per cent of the UK listed market by value. Unfortunately, in 2016 I failed on both counts. My portfolio was down 4.1 per cent, including dividends, compared with the +16.8 per cent return of the FTSE All-Share (Total Return) Index.
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