i. Overconfidence in speculative assets.

ii. Neglecting diversification.

2. Assets Investors Should Avoid in 2025:

i. Overleveraged companies or industries vulnerable to economic downturns.

ii. Speculative investments without clear fundamentals or realistic growth prospects.

iii. Companies or sectors with declining demand or excessive regulation risks.

3. Investment Plan for 2025

Core Investment Strategies:

i. Diversification: Building a balanced portfolio across asset classes, including stocks, bonds, and real estate, to mitigate risks.

ii. Low-cost broad market index funds

iii. Fixed-income assets: Allocating funds to bonds or treasury securities for stability in a high-interest-rate environment.

4. Emerging Opportunities for 2025:

AI and tech innovations

5. Cautionary Approach:

Prioritising investments with strong fundamentals and avoiding speculative trends.