Can som1 assist me decide on how to invest my money?

Interesting question...

Fixed income funding is good when you're averse to taking risks

How much do you want to invest, how old are you, what is your Investment Horizon and what type of person are you(Risk taker or risk averse?

All these determine the type of risk you will want to take..Fixed income funds are for risk averse people and here you are sure of your initial capital. In the Equity funds you have opted to take more risks...in the event of any market crash or melt down the value of your funds will definitely suffer.

If I werr you I will creat a portfolio for my self.. buy the stocks i want to keep and also invest in fixed income/money market funds I like my sellf!

Rule of Thumb if you are investing for the long term without professional investment adviser:

- Use your current age to represent your percentage allocation to fixed income
- Deduct the fixed income % from 100% to represent your allocation to equities
- Adjust the allocation on a yearly basis
- You are advised to invest the equity portion in a mutual fund (IBTC Equity, ARM Discovery, UBA Equity etc. if you do not have an investment adviser)

Cheers.....