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[ti:Planning a Share Portfolio]
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[00:00.70]Lesson 48
[00:02.50]Planning a share portfolio
[00:10.35]How does the older investor differ in his approach to investment from the younger investor?
[00:19.17]There is no shortage of tipsters around offering 'get-rich-quick' opportunities.
[00:24.88]But if you are a serious private investor, leave the Las Vegas mentality to those with money to fritter.
[00:32.41]The serious investor needs a proper 'portfolio' --a well-planned selection of investments, with a definite structure and a clear aim.
[00:41.88]But exactly how does a newcomer to the stock market go about achieving that?
[00:48.15]Well, if you go to five reputable stock brokers and ask them what you should do with your money,
[00:54.44]you're likely to get five different answers,
[00:57.32]-- even if you give all the relevant information about your age, family, finances and what you want from your investments.
[01:05.48]Moral? There is no one 'right' way to structure a portfolio.
[01:10.44]However, there are undoubtedly some wrong ways, and you can be sure that none of our five advisers
[01:17.23]would have suggested sinking all (or perhaps any) of your money into Periwigs.
[01:23.36]So what should you do?
[01:25.21]We'll assume that you have sorted out the basics--like mortgages, pensions, insurance and access to sufficient cash reserves.