Don't focus on market or product returns -- focus on your target rate of return, and then choose an investment.

Irrational behaviour, born out of incomplete understanding, biases, overconfidence, fear or greed, has led investors to make less than half of what they could have in the capital markets, says Erik Hon.

Most investment costs are bundled in with the financial product, and are often hidden in fine print, warns Erik Hon.

We all need an expert whose advice you can trust, who will not start pushing products at you and rather help you understand why your wealth is not growing as it should, says Erik Hon.