{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Don't Be The Magpie, And Achieve Better Investment Returns","description":"In this week\u2019s podcast, we dive into why so many investors underperform the very funds they invest in. Drawing on Morningstar\u2019s Mind the Gap 2025 research, we explore how \u201cmagpie behaviour\u201d \u2014 chasing shiny new investments, panicking in downturns, or tinkering too much \u2014 quietly erodes long-term wealth. The evidence is clear: bad behaviour can cost over 1% per year, compounding into massive losses over time. But the gap isn\u2019t inevitable. This episode shares practical steps to help you capture more of the returns you deserve \u2014 and avoid being the magpie. Key Points Morningstar \u201cMind the Gap 2025\u201d shows investors lose ~1.2% per year due to poor timing and bad behaviour. Chasing shiny investments (like tech, AI, or thematic funds) often backfires. ETFs and bond funds show wider performance gaps due to frequent trading. Behaviour matters more than markets or fees \u2014 discipline drives long-term returns. Five ways to close the gap: Automate contributions, rebalancing, and withdrawals Work with an advisor to stay disciplined Focus on low-cost, globally diversified core holdings Keep \u201cfun money\u201d small if dabbling in niche funds Build a margin of safety into your financial plan Disclaimer ","author_name":"Informed Decisions Independent Financial Planning & Money Podcast","author_url":"https:\/\/www.informeddecisions.ie\/the-blog","html":"