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With the market crashing the way it is, are you moving your money, stopping contribution to retirement funds or just leaving it the way things are?

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Shift all you can into residential property. With the number of people losing their homes, property is cheap. Buy then let, since all the people who are losing their homes must have somewhere to live, so they must rent. It beats the miniscule intereat that the banks give and the unstable share market. When the markets recover, house values will rise rapidly and and then you can sell in a good market to realise substantial profits.

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