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Is it time to look at equity markets?

This is the six million dollar question and one for which there is no simple answer - what are your investment goals, what is your time scale and what exactly are you looking for?

If you are looking for a short term return then the markets of today could literally make you or break you and have massive risks, if you are looking medium term then there could be some interesting opportunities but if you are looking longer term then now may be the ideal time to start picking up stocks. These are all general opinions on the state of the current stock market in the UK and should not be construed as advice of any kind.

It has never been more vital to speak to professional advisers to see the best way forward for you, what you can afford and what is actually on offer. There is no hard and fast rule about when and how to add to your investment portfolio or indeed when to start one but that fact is that we have been through sharp falls in the market before - the crash of 1987 - and markets do come back, they do recover in time.

However, not all shares come back and not all shares recover to their former glory.

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