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I've just skimmed through it earlier this morning and have now commenced reading it. It's as relevant to a retail investor as it is to managed funds or insto's on Wall Street. The latter of whom Joe Smith average retail investor can't control anyway. I fall in that camp :) Really, the only...

Thanks for that recommendation IV. I just ordered it for FREE :D Seventh search result down the first page. If link doesn't work google Howard Marks The most important thing. There is a free pdf download :) https://www.google.com.au/#q=howard+marks+the+most+important+thing