Protecting your money

jfpeeps

Sorry if I am not being clear.

I want to know what risk I should avoid. Should I just stay as is, keep the cash cash and the stocks stocks. I am not advocating a change I am trying to protect my position.

tradetime

Quite frankly for what it is, it hasn't done disasterously given the current market conditions, here is a comparison with the S&P500
http://finance.yahoo.com/q/ta?t=1y&s=PRGFX&l=on&z=l&q=l&c=&c=%5EGSPC

In order to attempt to decide whether a product is right for you, risk wise, you need to disregard what you could potentially make, and instead consider how much you could stand to lose in various case scenarios and see how you feel about that. It seems you do not have the risk tollerance to be invested in the stock market in this manner, if this is the sum of your market exposure, it seems pretty high risk to me.

gozomark

what risk I should avoid ? any risk you can't afford to take, andfrom what you have said (I am trying to protect my position), you should avoid risk entirely.

tradetime

I think I should

Cash hedge fund in it and split it my self over 10 large companies in different sectors.
Take the cash and split it between Gold and Index linked bonds.

Believe it or not, that might actually present higher risk.

gozomark

agree Tradetime - the problem isn't the fund (which has done OK against its benchmark), but the area its invested in, and moving it into 10 stocks probably would be less diversified/more risky

tradetime

Your fund is mentioned briefly in this article.

tradetime

Another factor that might have considerable bearing on this has been touched on by gozomark is currency, since you have an American partner, may I ask when did you enter this fund, and did you invest existing USD$ money or did you convert Sterling?

jfpeeps

It was USD from the start, the sterling 40K is mine the 40K Sterling equiv is hers

We are married long term!

jfpeeps

fund form her parents, I am trying to look out for her / them on that part. Am still laking any input on UK cash!

Thanks all!

gozomark

consider 100% cash to be neutral. Any investments you make, your first thought shouldn't be "how much can I make" but "how much can I afford to lose"