"thanks very much for your excellent service. it is always helpful, for me it has helped me most in crises times. thanks to your service, i seem to be able not to panic and assess the situation calmly. as you mention several times, this will bring a buying opportunities. My question is how should we prepare for that and how should one know when the time is right. thanks again for the wonderful service."

David Fuller's view Thanks for you generous remarks and a question likely to be of interest to others.

Preparing for buying opportunities following a market downturn is time well spent. It starts with remembering that wealth is created in down markets and realised in up markets.

In considering your next investment top-up, you might start by deciding whether you wish to favour dividend income or growth. A bear market such as we are experiencing will create many opportunities so do not worry if you have more questions than answers regarding candidates.

Eoin and I will be reviewing some possible candidates, as will many of your fellow subscribers. We are better informed as a Collective, sharing our views regarding promising opportunities. You may also wish to consider whether you favour funds, investment trusts, ETFs or individual shares.

Timing is always important and price charts will reveal to us which sectors and shares show early relative strength and the better overall patterns. This could take several months in terms of bottoming out and base building.

The next attractive buying opportunity is approaching and that is when we make some of our most important investment decisions.