...and there’s always the bank!

CASH

FINALLY, nervous investors should never be afraid to keep some money in cash. Even top funds typically have around 5 per cent of their money in cash – but in the bank rather than under a mattress.

While it may offer a meagre return, it is safe from any market ups and downs and is ready to invest when an opportunity does arise. Although the typical savings account pays interest of less than 1 per cent, when times are uncertain that surety can be a lot better than the risk of losing money.