Spreading Your Investment And Savings Risks
908
Finance > Personal Finance
Mar 1, 2007
blueboy
Spreading Your Investment And Savings Risks
The world stock markets are going through quite a turbulent period at present and on average around ten percent has been wiped off some of the leading markets over the last month. In this article I write about how on a personal note I try to save in a series of different financial products which helps me to spread the risk, including when we have these stock market falls.
I started saving money on a regular basis about five years ago. At this stage the stock market in the UK had just had some dramatic falls after the terrorist attacks in New York. I wanted to build up a kind of rainy day fund and decided to invest monthly premiums into a unit trust. I started saving ?50 a month and over time I increased this figure.
I have to say that I have been very lucky as my investment has done very well, I have even over the last couple of years cashed in some of the units to pay for our family holidays. At the start of this year the stock market in the UK was showing its highest levels in five and a half years.
In the five years that I have been investing, I have bought and now own a large number of units in this unit trust fund. What it now means however, is that if the stock markets have a period just like the one it has had, it costs me financially on paper quite a lot of money.
I now believe that my exposure to the stock markets is high enough and have decided that I will leave the units that I have invested in the fund as they are, but that I will not be adding to them. Instead I am going to put my regular savings into one of the high interest regular savings online bank accounts. This of course is a way of spreading the risk.
I have no idea which way the world stock markets are going to go over the next few months. Many people are saying that the United States interest rates may rise and that this could have a damaging affect on world markets. There could well be another major terrorist attack which could of course result in dramatic stock market falls.
I am hoping that the stock markets will continue to rise in the same way that they have over the last five years and that the falls over the last few weeks are just a blip. I just think that I have enough money invested and would like to start building some form of other savings in a safer type of environment. Stephen Hill helps to promote a number of websites including: lower telephone bills stuttering advice
I started saving money on a regular basis about five years ago. At this stage the stock market in the UK had just had some dramatic falls after the terrorist attacks in New York. I wanted to build up a kind of rainy day fund and decided to invest monthly premiums into a unit trust. I started saving ?50 a month and over time I increased this figure.
I have to say that I have been very lucky as my investment has done very well, I have even over the last couple of years cashed in some of the units to pay for our family holidays. At the start of this year the stock market in the UK was showing its highest levels in five and a half years.
In the five years that I have been investing, I have bought and now own a large number of units in this unit trust fund. What it now means however, is that if the stock markets have a period just like the one it has had, it costs me financially on paper quite a lot of money.
I now believe that my exposure to the stock markets is high enough and have decided that I will leave the units that I have invested in the fund as they are, but that I will not be adding to them. Instead I am going to put my regular savings into one of the high interest regular savings online bank accounts. This of course is a way of spreading the risk.
I have no idea which way the world stock markets are going to go over the next few months. Many people are saying that the United States interest rates may rise and that this could have a damaging affect on world markets. There could well be another major terrorist attack which could of course result in dramatic stock market falls.
I am hoping that the stock markets will continue to rise in the same way that they have over the last five years and that the falls over the last few weeks are just a blip. I just think that I have enough money invested and would like to start building some form of other savings in a safer type of environment. Stephen Hill helps to promote a number of websites including: lower telephone bills stuttering advice
Write a Review
Add to My Favorite
Refer it to Friend
Report Article
Other links owned by this user
My name is Steve Hill from Engl. In this article I am going to explain about how I have managed to turn my life around from one which was constantly living in fear, to one where I now look forward to the future. I hope this proves to be interesting
Category:
I have no doubt that there are many people out there who are searching for ways of improving their overall quali of life. We have no divine right to be happy of course but on the other hand we should not just sit back and accept second best. I am the
Category:
This aticle looks into ways to help people beak fee fom shyness. The advice is based fom pesonal expeience and I hope it will povide inspiation to many people. As a child and well into my teenage yeas, I was a peson who was often
Category:
There are a number of ideas about what are the best ways to promote a website and about the best ways to attract more visitors to a website. In my opinion, it is important to start up a link building campaign to increase the number of websites which have
Category:
Have you been asked to be a best man for a friend or relative? Are you worried about what to include in your best man's speech? Are you looking for some tips and advice about how to deliver a successful best man's speech. If you have answered yes to
Category:
Are you looking at lowering your annual hosting costs? Are you fed up with having to pay hosting fees? Are you unsure which company to use to host your new website? These are questions that many people would answer yes to. I myself have a large number of
Category:
Are you on the look out for a boyfriend/girlfriend? Have you been single for a while? Have you somebody in mind who you would like to go on a date with? A few years ago I thought that I knew what my ideal partner or girlfriend would look and be like. I
Category:
I have just heard about anoer way of making a little bit of extra money. This is by taking part in different surveys for a range of companies who are looking to find out more about eir customers or potential customers. You may ink just like I did
Category:
More and more people are reporting incidents of domestic violence to e police. If you are a victim of domestic violence you will be aware of just how frightening it can be. The question at many people ask is what are e causes of is violence, is
Category:
I worked for many years in an office environment and would have enjoyed the experience if it was not for a number of over bearing and annoying colleagues. These people seemed to spend the whole day bitching and gossiping about other people which can make
Category:
I am the type of person who used to have a very negative attitude to most aspects of life. I am not alone in thinking this way as most of the people I meet seem to be constantly moaning about different things and basically feeling sorry for themselves.
Category:
The world stock markets are going through quite a turbulent period at present and on average around ten percent has been wiped off some of the leading markets over the last month. In this article I write about how on a personal note I try to save in a
Category:
Are you looking into ways to help you to gain more confidence? Have you a lack of self-elief? Do you think that you are a weak person? Would you like to e more care-free person? If you have answered yes to any of these questions, this article may well
Category:
Anybody who has to live life with a stammer will know just how much of a hinderance it can make what fluent see as simple tasks. Making a phone call, ordering a drink, going out with friends and attending a job interview can be very hard for
Category:
Are you thinking about starting to rite articles as a ay of promoting your ebsite? Are you looking for some advice about ho to rite a successful article? Have you a lack of belief in your ability to rite an interesting article? Around a year ago I
Category:
I am someone, who from wha my parens have old me, sared o suer when I was four years of age. I have o say ha I haed having a suering problem and was deermined ha I evenually would be able o have he confidence o say whichever words
Category:
Are you looking at ways to improve your lifestyle? Are you bored in your urrent role of employment? Do you think you ould be ahieving a lot more than you are at the moment? Are you seeking a new hallenge? In this artile, I give advie on how people
Category:
Are you looking into ways of promoting and marketing your website? Are you trying to attract me visits to your website? Are you looking to increase your online sales? Are you trying to increase your adsense earnings? If you have answered yes to one
Category:
If you are one of the many people who are suffering from stress, then this article may well be of interest and benefit to you. I believe that I am one of the biggest stress-heads in the country but have recently, with the help and advice of a friend,
Category:
I was always somebody who felt quite sorry for myself, what I had not got compared to my friends, how much of a struggle my life seemed to be compared to others. I was caught up in a web of negativity and needed someone or something to help me to
Category:
Other links at Finance > Personal Finance
The majority of buyers at some aspect in their career are going to discover an unexpected bill that they did not plan. As a major vehicle repair, an unexpected bill, a great special at their beloved store or possibly a once in a lifetime journey.
Category:
A bridge loan is financing for a new project before the old project is closed out and the money is released. The proper use of a bridge loan can make a deal happen instead of having it get stuck because the funds are not there. Let us take a look at what
Category:
The average amount that a person spends in a month is mostly based on his lifestyle and spending habits.
Category:
Knowing ways to save money on gas can make a big difference in your monthly fuel bill, whether you are embarking on a long journey or just making a daily commute. Here are eight top tips for gas savings.
Category:
How consolidation loans work and how to look for the lowest rates.
Category:
Site Sponsor
Directory Statistics
Articles: 68285
Categories: 501
Yahoo Entertainment
