Don't put all of your eggs in one basket. A portfolio that features some shares in both large and small companies, some bonds and maybe even specialist commodity or property funds should ensure that some income or capital gains are trickling into your savings pot whatever happens. You need no more than 12 to 15 holdings. Otherwise your investments become time-consuming and expensive to manage. Isas can now hold companies listed on London's junior investment market, called Aim, so don't overlook these.