AT this time of market uncertainty be brave and invest - but spread your risk, Templeton marketing and sales director Stewart Aldcroft advises. 'We would not like to favour any single company or market but instead continue to emphasise the value and benefits of having a widely diversified portfolio,' he said. 'What most investors fail to do is to take advantage of extreme negativity in the markets,' Mr Aldcroft said. 'Emotionally this is an extremely tough decision to make when the markets are very poor. How many people are buying Thai or Korean stocks now? 'However, in the medium to long term, investors would be hard pressed to find markets better priced than now.' Even now, a number of Asian equities were an important part of any broad portfolio, he said. Mr Aldcroft said he could not predict when or by how much markets might improve. This was why he advised people not to invest a lump sum, but instead invest a bit at a time over three to five years. 'It is impossible to be 100 per cent accurate on future movements of the stock market so if, for example, you have $100,000 in the bank and if you put all of it in the stock market right away you will panic as you will not know which way it will move. 'However, if you put it in $10,000 at a time, if the first $10,000 goes down you still have $90,000 to give. 'If the market goes up after the first $10,000, then you have already started to make money and may feel more confident about putting in more in future.' One specific fund he considers particularly good at present is Templeton's High Yield Fund. It invests primarily in corporate bonds, especially lower-rated corporate bonds, mainly issued by companies in the US.