could I lose the money through?

( Monty Boyce, My cheese game is strong, Sat 5 Oct 2013, 17:53, 2 replies, latest was 12 years ago)

is that a really ignorant question?

( Monty Boyce, My cheese game is strong, Sat 5 Oct 2013, 17:54, Reply)

the value of an investment can go down as well as up and you may get back less than you put in.
It's highly unlikely you'd lose everything, balanced means your portfolio would have a mix of equities and fixed interest stocks. When one of those asset types goes up the other goes down.

Portfolio means diversification; anyone investing in just one fund is a fucking spastic. You'd be going in to about 12 funds within the ISA wrapper, how likely do you think it would be that all 12 would lose value? There ent no reward without risk, two years might be dodgy under normal circumstances, but if you invested now it would be just as performance is picking up and the unit prices are fairly low.

Keep it in cash and it'll lose value. Inflation is, what, about 3%? You need to be getting 5 or 6% to be making any returns, and you can only get that level of growth from residential property or from equities. You've just come out of property, you need to get into equities through ISA funds.

Go and see an IFA innit. Different funds have different levels of risk. Depends how much risk you're willing to take.
(dozers, do fuck off ur a nob m8, Sat 5 Oct 2013, 18:31, Reply)

I should point out that Dozer is merely a proof-reader of the marketing activity produced by his employer.
He is NOT financial advisor.
( Fucking hell Jeff I am not a robot, Sat 5 Oct 2013, 18:41, Reply)

this is true, I am not an adviser.
And financial promotions is not the same as proof reading. I have to know how everything works. I have CII investment qualifications an' all.

But that up there is all true. Which part of that 'small a' advice is incorrect?
(dozers, do fuck off ur a nob m8, Sat 5 Oct 2013, 18:44, Reply)