Carefully assess your risk tolerance

[Basil]

https://www.stuff.co.nz/business/129196972/woman-complains-after-making-245000-loss-on-fund-investment?utm_source=ST&utm_medium=email&utm_campaign=ShareTrader+AM+Update+for+Thursday+7+July+2022

Interesting case which serves as a warning of the old cliché that past performance is no guarantee of future performance.

Maybe after a super rough first half of the year some time to ponder one's risk tolerance going forward might be appropriate ?  Nothing wrong with having some of your money on term deposit. 

[kasper]

https://www.stuff.co.nz/business/129196972/woman-complains-after-making-245000-loss-on-fund-investment?utm_source=ST&utm_medium=email&utm_campaign=ShareTrader+AM+Update+for+Thursday+7+July+2022

Interesting case which serves as a warning of the old cliché that past performance is no guarantee of future performance.

Maybe after a super rough first half of the year some time to ponder one's risk tolerance going forward might be appropriate ?  Nothing wrong with having some of your money on term deposit. 
.

https://www.stuff.co.nz/business/129196972/woman-complains-after-making-245000-loss-on-fund-investment?utm_source=ST&utm_medium=email&utm_campaign=ShareTrader+AM+Update+for+Thursday+7+July+2022

Interesting case which serves as a warning of the old cliché that past performance is no guarantee of future performance.

Maybe after a super rough first half of the year some time to ponder one's risk tolerance going forward might be appropriate ?  Nothing wrong with having some of your money on term deposit. 

Wow I would absolutely love to be in this woman's position losing only 25% of her capital investment although its not clear whether she only has a paper rather than an actual loss? I'll switch places with her anyday, she would then have a different perspective and be thankful for such a moderate loss.

[BlackPeter]

https://www.stuff.co.nz/business/129196972/woman-complains-after-making-245000-loss-on-fund-investment?utm_source=ST&utm_medium=email&utm_campaign=ShareTrader+AM+Update+for+Thursday+7+July+2022

Interesting case which serves as a warning of the old cliché that past performance is no guarantee of future performance.

Maybe after a super rough first half of the year some time to ponder one's risk tolerance going forward might be appropriate ?  Nothing wrong with having some of your money on term deposit. 

Not sure about term deposits - low income and still quite inflexible - but otherwise I agree: Nothing wrong with having some of your money invested in cash or cash-equivalents. Depending on the market cycle I would look as well at e.g.  quality bonds, preference shares (ANZ is currently offering some at ~7%) and possibly even property syndicates (if they are tradeable) - anything promising a reasonable and reliable income in uncertain times;

[Basil]

Heartland has a 90 day Notice saver paying 2.70% or 32 day notice saver account paying 2.30%.  Useful way to earn better than call rates but you have to give them  notice to withdraw.  Agree about corporate bonds which can be resold at any time if you want to switch out to equities.

Interestingly CNBC ran a poll this morning, on Mike Santolli's segment 8.00 - 9.00 a.m. our time, Where is the best place to invest your money for the next 6 months ?  (Equities, Bonds or cash ?)  Result surprised me a bit, I thought bonds would have scored a higher rating after the huge rout in their value in the first half and given you can get decent returns on bonds now.
Result was 54% equities, only 9% bonds and 37% said cash.