Difficult ARF Investment Decisions

Choosing a suitable ARF fund in which to invest your retirement fund can be a daunting prospect at the best of times. Believe or not choosing an investment fund or strategy over the past 7-8 years has been quite easy as pretty much any ARF or investment fund you picked would have made some kind of positive return for you.
However, we have already entered a new phase in 2019 and investment decisions will become more problematic for many reasons:
If all that were not enough , ARF investment decisions present a unique set of circumstances because: