The energy challenge: although the world is committed to reducing dependence on fossil fuels, we haven’t invested enough in zero-carbon substitutes. Worryingly, the pace of progress isn’t moving quickly enough to meet the world’s rising energy demand.

Uncertainties surround financial markets at every turn. Whether from the Ukraine crisis, a slowdown in China or more aggressive central bank policy. And as inflation soars and growth slows, the risk of contagion is rising.

As with any investment journey, there are periods when prices can fall as well as rise. Trying to capture the right time to sell or buy can be both difficult and stressful. That’s where cost averaging comes in. It’s an investment approach with the goal of reducing the impact of volatility on large investments.