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Get a better understanding of your financial position

A cash-flow plan could help to determine if our reader's desired retirement income is achievable

Build a solid core and add riskier investments later

Small share holdings won't make a meaningful contribution to overall returns

Set your asset allocation and then choose investments

Our reader needs an appropriate asset allocation

De-risk and diversify your portfolio

Having many holdings doesn't necessarily achieve diversification

Think long and hard before opting out of your NHS pension

Our reader might be underestimating the benefits of his current scheme

Cut your equity exposure and number of holdings

Not only will this reduce your risk, it will also make the portfolio easier to manage in a volatile market

Putting 28.5% of your portfolio into one stock would be madness

Diversification is your friend, not your enemy, say our experts

Overexposed to cash and a single company

Our readers need to cut their number of holdings and large allocation to one in particular

Beware of property and commodities

Consider the additional risk you might be adding to a well-diversified portfolio, say our experts

Owning a stock is not a reason to be bullish on it

Our readers shouldn't hang on to shares that have lost them money in the hope they’ll turn around