It seems that Marcus is still of the view that it is better to buy - TopicsExpress

It seems that Marcus is still of the view that it is better to buy the bank than to invest with it. The returns outweigh the risks in his view. But to invest so heavily in just a few shares in only one sector of the market? This is a continuing dilemma for older retirees who are still recovering from the GFC but are now not getting any return on Term Deposits and other cash products. Low risk, very low returns. Gross returns just above the inflation rate. Diversification is actually a strategy which is designed to lower overall risk whilst increasing returns. A well diversified portfolio has always outperformed cash over time. It is the timing of the returns and the risk aversion factors that ultimately count. Retirees have to be able to sleep at night and cash investments are not subject to market volatility. Cash does however lose value over time due to inflation. It is also depleted by having to draw down on capital when the earnings do not cover the pension or draw down requirement. So there we have it, if you dont want to spend all of your capital to fund your retirement, then you have to either invest an appropriate portion growth products, or curb your expenditure.

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