Sir, – Congratulations to the reliably excellent and readable Fiona Reddan on her comprehensive review of the investment year ("The best investment funds of 2014 and the financial turkeys", December 23rd). I liked the sage advice by John Templeton she quoted as to when is the best time to invest – "When you have money". Amen to that! – Yours, etc,
PATRICIA O’RIORDAN,
Dublin 8.