am 20 years old and earn a modest income of 12k a year. I have been able to invest £100 a week as I still live with parents and now have £1100 in gold bullion £2800 in silver bullion and £560 in Zopa. Any advice on how to diversify my investment portfolio? The problem is I never have a large lump sum as I get paid and save up weekly so will this rule out shares and bonds because the broker fees will make this uneconomical unless I invest large lump sums? . I am prepared to take on moderate risk as I am still young any ideas on investments I can drip feed with £100 each week? I have considered a cash Isa but this doesn't look attractive to me as the rates are so low they barely keep up with inflation and I would rather something a bit more exciting? Any ideas would be much appreciated.

You could always look at a shares ISA, and then invest in ETF's - ie, funds. These offer better long-term prospects for growth, but generally have a reduced risk compared to investing in individual stocks.

Hope that helps.

Creating an ISA with a fund manager such as Fidelity and then spreading a portfolio across, JP Morgan Natural Resources, China Opportunities, India Focus, Neptune's Russia and Greater Russia fund and Blackrock Gold Accumulation fund would be a good start, keep around 5% of your portfolio in gold though and spread the remainder on the other funds. At your age it is worth holding onto these sorts of funds for a few years to come and the long term growth prospects are potentially very good. Charges are very minimal if any.

Hi
I believe you are in a good position. Gold and Silver will be the best place to have your money in the current economic climate. Buy more!!