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Banoffee, why do you keep looking for reassurance that no one can give you? Why not put your money in a money market fund or something like that?

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Why not worry about your own investments? I'm not looking for reassurance - certainly not here anyway. Good grief, this is the last place someone should come to make an investment decision with all the BS thrown about. Notwithstanding, there is a lot of value to be had here. Members turn up all sorts of interesting things I might not otherwise find. I don't know why so many folks here are threatened by any challenge to the "facts" or orthodoxy? You should be thankful. The last person you should listen to when making an investment decision is the one telling you exactly what you want to hear.