SUR­VIVAL GUIDE

The Daily Telegraph - Your Money - - Front Page -

Avoid panic sell­ing your in­vest­ments by hav­ing a long-term fi­nan­cial goal and stick­ing to it.

Re­view your port­fo­lio reg­u­larly and make sure you have the right funds to match your risk profile.

In­vestors with a higher ap­petite for risk may see a fall in the stock mar­ket as an op­por­tu­nity to buy shares cheaply.

Make sure you di­ver­sify the risk in your in­vest­ment port­fo­lio by in­vest­ing across a range of as­sets such as eq­ui­ties, prop­erty, fixed-in­ter­est and cash.

Save monthly rather than as a lump sum, so that even if mar­kets fall your next monthly pur­chase will buy you more units for the same amount of money, and bring ben­e­fits when mar­kets re­cover.

If mar­ket volatil­ity gives you sleep­less nights, then con­sider other in­vest­ment op­tions such as prop­erty or cash.

Make use of in­di­vid­ual sav­ings ac­counts, which al­low you to in­vest up to £7,000 a year in shares free from cap­i­tal gains tax and ad­di­tional in­come tax.

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