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Scottish Mortgage is the only one of these I’ve researched in any detail, and I bought some. I expect more volatility from it in the next couple of years. But I’m happy to take the risk for what I see as its long-term potential. Stephen has a PhD in Philosophy and teaches at the University of Oxford. He's an enthusiastic Warren Buffett follower and focuses on buying quality businesses at sensible prices. He's also a podcaster with the PlayingFTSE show. In fact, it’s a near impossible rule to follow literally. We have pretty much zero chance of never seeing our share prices fall. Value vs price This trust has lifted its dividend for 39 straight years, so there should be plenty of motivation to keep it going. Merchants has GlaxoSmithKline as its top holding, and I’m upbeat about that. British American Tobacco and Imperial Brands are in the portfolio too. And while they both offer high dividend yields, that might introduce an ethical barrier for some investors. Now, the doom-mongers might be right. In fact, over the next year or too, there’s a fair chance they will. The banks really do face a tough time right now.

Investor concern may be justified for firms riddled with floating-rate mortgages. After all, higher debt servicing costs mean less capital available to fund dividends. About three-quarters of the trust’s assets are in the UK. The current biggest holding is Legal & General, with Aviva taking the third spot. Royal Dutch Shell is sandwiched in between. The trust is managed with a contrarian approach, and that shows from its big investments in these two depressed sectors – sectors I definitely consider risky now.I'm a freelance personal finance journalist who writes for the Daily and Sunday Express, Reader's Digest, The National newspaper and of course, Motley Fool UK.

Marks & Spencer has always done fine with its food offerings. But it perpetually failed to get enough people to buy its clothes. For one thing, it’s more than just a miner. It’s also one of the world’s largest commodities traders. That includes energy products and agricultural goods, so it’s a bit more insulated from the traditional mining cycles. And with a price-to-earnings ( P/E) ratio as low as 7.5, there might even be some share price gains to come.All I’d need to do then is reinvest my dividends every year, and I could reach my goal in just 17 years. Down to earth The firm will also combine some management areas, as a way to “ remove duplication and deliver cost efficiencies.” At scary times, investors tend to trade more often. Never mind just one trade per month, which is already scary, some do it multiple times every day. Within the tech sector, there are a number of areas I’m excited about. One is cloud computing. Today, cloud technology is used by a wide range of organisations, from tiny start-ups to multinational enterprises. Yet, realistically, the cloud industry is still in its early stages. Some experts see the industry growing at nearly 20% per year between now and 2030.