As long-term investors, we often say that there is no such thing as a free lunch: Performance is seldom delivered in a straight line, get-rich-quick schemes usually end in disappointment, and building long-term wealth takes time. This means that long-term investors must exercise patience, have conviction in their investment strategies, and apply a consistent approach in order to meet their investment objectives. This is also true of tax-free investment products: The real benefits are derived over longer periods of time.

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