INVESTMENT – BE GUIDED BY THE RISK YOU ARE WILLING TO TAKE!

The various Stock Markets are providing something of a roller-coaster ride with their ups and downs. While generally there has been a recovery over the last 6 months or so, the main problems of creating growth and repaying large national debts are likely to be with us for some time to come. Those investing in the Stock Markets should make sure they are comfortable with the risks and also understand that they should be investing for the medium to long term. Those approaching retirement in the next year or two, and who still have investments in managed funds through their pension funds, should consider moving to lower risk options, even Deposit Funds, to avoid being caught out by a sudden drop in the market just at the time when they want to take their pension benefits. If you are still interested in seeking a better return on your money even after considering the risks, and with 10 years plus until your expected retirement, then you should consider investing, or staying invested, in the Markets. There are a variety of Managed Funds that allow you to spread your investments both as regards types of businesses and geographical sectors. The Markets generally tend to take their lead from the United States but it remains our view that any meaningful growth is still likely to come from what are called Emerging Economies. In the past this has included China and India as well as other countries like Brazil and Russia and some Asian countries. Because of currency exchange rates and questions about political stability, such investments have to be considered higher risk. So do make sure the risk is one you are willing to take. Contact us if you would like to discuss your options – 01342 313302.