The last seven months have presented a challenging time for markets and investors. As we begin August, and with only five months left of this year, have you set out your goals for the rest of 2022?

Despite the market volatility taking place in the short term, there are still opportunities for investors in the long term. One way to think about markets being down, is that you might be able to purchase more units in an investment.

In the long term, you could potentially grow your money should you choose to invest in a diversified Portfolios through a Pension or Stocks & Shares ISA. It could make sense that to buy when market prices are low rather than high, as this then gives more scope for potential growth.

With that in mind, set your goals for the second half of 2022. Think about where you are in your investment journey and what you’d like to achieve over time.

What is your goal?

Think about when it is you’d like to achieve this goal by, and with that timeframe what you’d have to do to get there. However, keep in mind that you can’t predict market performance, it isn’t guaranteed that markets will grow. You are making an assumption on potential growth.

Once you’ve set your goal for the second half of the year, set your investment habit, and stay disciplined towards achieving it. Staying disciplined can be difficult but may be key to helping you reach your long terms goals. However, it may be beneficial  to review your goal from time to time, based on affordability, in which case you may want to speak to your financial adviser, or calculate yourself how much disposable income you can afford.

One way could be ‘paying yourself first’, investing at the start of the month when you’ve just been paid. Or, even better, set up a direct debit for the start of the month to ensure you’ll always invest towards your goal.

Another way to successfully achieve your goals is to exceed expectations. Be proactive in closing your gap to goal. If you have some spare cash, you could invest through the impulseSave® feature in your True Potential app. Investing little and often means you may achieve your goal sooner than anticipated, perhaps retiring earlier or with a bigger pension pot than you imagined.

Log in regularly to your True Potential app and track your performance, this can be an effective way to get excited about your goal, reminding yourself that you are moving in the right direction.

Remember, setting goals for investments is like any goal in life. You have to decide what you want, what is it going to take to achieve, continually put the work in and track the progress towards that goal, and give it time.

Long term investing in an ISA or Pension into globally diversified Portfolios could be an effective way to do more with your money, particularly when you apply goal setting and a disciplined plan towards your investing.


With investing, your capital is at risk. Investments can fluctuate in value, and you may get back less than you invest. Past performance is not a guide to future performance. ISA eligibility and tax rules apply. Tax rules can change at any time. The information contained in this publication does not constitute a personal recommendation and the investments referred to may not be suitable for all investors.

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