[QUOTE="frag"] '[email][/email]' wrote...> So if I take the next couple of months learning about this stuff it should be about the right time to invest. [/QUOTE] Your money, your call. January is always a good month so maybe a good idea to dip your toe in the water now, say 10% into something safe like Tesco or RR. From Feb onward the ride may get a bit rough but the trend will be up. Dont be tempted to hop around building a load of charges, just buy sensibly and ride the scary bits.