Not the news you were perhaps looking for and, unfortunately, may leave you with more questions than answers. Problem is, as soon as one decides to switch out of the market (with the best survival intentions in mind), one begins to partake in the minefield of market timing and must 'time' their potential re-entry. As soon as this starts to happen, all sound investment principles go out the window and the argument of speculation takes centre stage ? an argument fraught with risks, follies and pitfalls.

So, where does this leave you? Well, not in a position that is easy to navigate but one that requires urgent attention and, if needed, the expertise of a professional.

Here are a few questions to ponder to get you started:

• Although the policy matures in a year ? do I need the money then or could I remain invested?

• Can I afford to take on more risk and try regaining some ground?

• If I cannot afford more risk, am I comfortable with low returns in exchange for security?

All the best.

acsis Limited is an authorised financial services provider. The response to the question covers some of the issues in a general and factual manner and does not constitute advice. It is important to consult with a financial planner who, after an analysis of the individuals? personal needs, goals and circumstances, will be able to provide comprehensive and appropriate advice.