Whether you’re nearing retirement or the retirement phase is a little way off, it’s never too early (or late) to make your savings work harder with ETFs, explains Mark Wills, Head of Asset Allocation, State Street Global Advisors Asia Pacific.

Well-informed investors are discovering what institutional investors have long understood; that asset allocation, not security selection, is key to driving long-term investment results. Consequently, the most important decision an investor can make is now seen to be asset allocation. For a high performing portfolio, it has been proven that getting the right mix of assets is more impactful on successful performance than the individual securities chosen. Individual security selection is important but asset class selection is vital.