Did you know: that investing in stocks and shares can produce higher returns than cash in 90% of cases?

However, it is important to note that past performance is not a guide to the future.

So why would you include a cash element in your portfolio?  The answer is that you need to have funds for short- and medium-term emergencies, and have the flexibility to access those funds without penalty or damaging the return of your overall portfolio.

It will be different for every individual, but a typical rule of thumb is to retain three times your annual needs in cash as a ‘rainy day’ fund.