Working your money

For many investors, the market falls of the past few years have had serious repercussions on the value of their investments. The FTSE 100 index has lost around 30% over the past three years and the consensus seems to be that returns in the future will be more modest. Many investors face the dilemma of how to recover this lost ground without speculating on a high-risk venture. Investors could move their money into a building society where money is secure (but returns are unlikely to be earth-shattering), or could just sit and wait for markets to recover. Either way, recouping their losses c...