RUTH SUNDERLAND: Most private investors have no need to panic if they follow Ruth’s Golden Rules

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How scared should small investors be? A top strategist at RBS is advising investors to ‘sell everything’ (whether we should listen to anyone from that institution is a question in itself) and even the Chancellor has warned that the UK economy is at risk from outside forces.

In reality, most private investors have no need to panic if they follow Ruth’s Golden Rules: be flexible, be diversified, be brave and be careful with debt.

The last rule is the most important – in most cases our assets are far more vulnerable to poor borrowing decisions than to falling oil prices or a nasty Shanghai surprise. But more of that later.

Decision time: Private investors should be flexible, be diversified, be brave and be careful with debt

First, flexibility: having options on timing is key here. A fall in the FTSE 100 index is only a concrete problem to investors who are…

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