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Although the FTSE 100 is 17 per cent lower than in 1997, people are continuing to take the opportunity to earn extra money by trading on the stock market.
David Kuo, financial expert at Fool.co.uk, said it is not easy to correctly time the right moment to invest in shares.
"Instead investing regularly helps to smooth out peaks and troughs in the stock market," he said, adding: "Remember it's time in the market that's important, not timing the market."
The survey also found that one in six people questioned said they intended to spend more of their money during the economic downturn.
Meanwhile, two in five said they will save more.
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