Markets are above their historic average, though there is a raging argument on the extent.

What could cause next crash

There is no way of timing a downturn – one either chooses to limit risk in a portfolio or learns to live with it.

A hybrid is a bit like a share and a bit like a bond.

Hybrids 101

There's a very good reason so many investors get confused about hybrids. They can be complicated. Here's how they work and what you need to know.