'Maximum panic' may still lie ahead.

Investment Adviser, November, 2008

Byline: Phil Coggan

Over the next three months, clients will take stock of their situation and face a tricky dilemma

Back in September, most people probably watched the BBC's Robert Peston talking about the financial crisis on the 10pm news and thought: "What does it have to do with me?" But by November, the connection had been made clear.

Barely a day has gone by without news of job losses at a major employer or some awful economic data being released. Consumer spending is dreadfully weak even with the boost of lower ...