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You might agree with me that holding individual shares is too much of a high-risk in these uncertain times? Far better, in my view, to invest your money in Unit Trust Funds and things called OEICS which are Open-Ended Investment Companies.

A short while back I met a young lady who met a very genuine and sincere financial adviser. His proposition was that she should consider saving a small monthly sum into his companies investment funds.  He correctly explained to the lady that his company would deduct 4.5% from every contribution she made and her understanding is that the fund would take another 1.5% per annum out of her savings.