Share markets are up, share markets are down. Is it too late to jump in? It’s a question many people ask.

The honest answer is: “nobody knows”
In this eZonomics video, ING senior economist Ian Bright argues investors should organise their savings before considering buying shares. Bright outlines different “baskets” that investors can use, including cash deposits, bonds, property and shares.
"Savings and building up wealth require patience and time -- not luck," says Bright. "So don’t just dive into the deep end without a plan."