That makes sense and I am risk adverse at the moment because of the economies.

And so is everyone else, which is why markets have plunged.  The question is whether the remaining risk for companies (in a recession) has been fairly priced into the market, and whether the balance of risk is now on the upside rather than on the downside.  If I could answer that question I wouldn't be here!  

Don't forget that whoever sells you an investment product has to assess the same risks, add a margin for their (often hugely inflated) costs, and make a profit - so the "price" he charges you will have to reflect that.  

All they can do, which you can't do, is spread their risks over a far wider range of shares, bonds, commodities, gold etc. - none of which helps all that much if the whole market is down due to Global recession.  We ave already seen the risks that hedge funds take to try and beat those odds...

"It's a mystery to me - the game commences, For the usual fee - plus expenses, Confidential information - it's in my diary..."