For more than 25-years, Dave has written for a wide range of newspapers and broadcasters including The Times, The Financial Times, The Independent, The Wall Street Journal, Reuters and Sky News. Previously nominated as National Financial Media Journalist of the Year, Dave specialises in investment features and business profiles.
The European Central Bank left interest rates and asset purchases unchanged on Thursday
The term hot hand originates from US basketball while gambler's fallacy is a common mistake linked to over confidence. Both can wipe investors out if they're not careful.
Multi-asset funds promise investors good diversification as they can include equities, bonds, property, cash and alternatives – such as oil, gold and inflation-linked government bonds.