{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Markets and Mindsets","title":"How Much Should You Risk?","html":"","width":"100%","height":180,"duration":1216,"description":"Want to be on the show? Send us a question, a voice note or a quick video to marketsandmindsets@ig.com\n\nHow much of your income should you invest when you are just getting started, without leaving yourself short when life gets expensive?\n\nIn our final episode of the Markets and Mindsets series, the team are joined by Finn, a newer investor with some experience in smaller cryptocurrencies who wants to understand how much to invest in relation to his income and wider finances.\n\nThe conversation explores why there is no universal percentage that works for everyone, and why time horizon, liquidity needs and life stage should shape the decision. The team discuss the importance of keeping a savings buffer, starting early, investing regularly and avoiding situations where you may be forced to sell during a market downturn.\n\nThey also examine the balance between enjoying money today and preparing for future costs, the value of tax-efficient accounts and employer pension contributions, and how diversification and regular investing can reduce the pressure of trying to time the market.\n\nIn this episode:\nWhy time horizon, life stage and liquidity needs should determine how much you invest\nWhy starting early can make small, regular contributions meaningful through compounding\nHow automating investments can build discipline and reduce emotional decision-making\nWhy maintaining a cash buffer helps prevent forced selling during a downturn\nHow crypto volatility can distort expectations of risk in other markets\nWhy housing costs and the cost of living make fixed investment percentages unrealistic\nHow ISAs, LISAs and workplace pensions can improve long-term outcomes\nHow to balance enjoying money today with future financial goals and expenses\nWhy diversification matters when indexes are concentrated in a few companies or sectors\nWhy waiting for the perfect entry point can cost returns, and regular contributions can make downturns easier\nChapters\n00:00 – Introduction: Knowing Your...","thumbnail_url":"https://img.transistorcdn.com/nRmI07Ibb48zG4ULgc0yTWrcrrZdbDciQPE7Pkeijz8/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS84MDM5/MjU5MzQ4NWU4YWM5/Yzg5OTg4ZGU5NThj/YzllMS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}