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But I love this latest panic. It scares people, they sell their shares, and that makes them cheaper for me. The fear is surely overdone, and I don’t see a bank crash coming (I didn’t see the last one coming either, but let’s gloss over that). Investor concern may be justified for firms riddled with floating-rate mortgages. After all, higher debt servicing costs mean less capital available to fund dividends. It’s all part of CEO Tufan Erginbilgic’s plans to “ build a high-performing, competitive, resilient and growing Rolls-Royce.” Bank shares look like top value to me. I think price-to-earnings (P/E) valuations of half the FTSE 100 average are very cheap anyway. Barclays has now dropped well below even that, to under five. That’s madness, surely. He has written extensively on the oil market and other commodities markets, Forex, equities, bonds, economics and geopolitics for many publications, including The Financial Times, Euromoney, Financial Times Capital Insights, OilPrice, NewsBase, Risk.net, and FTSE Global Markets.

I already thought Lloyds shares were among the best value in the FTSE 100. But after these falls, the market puts them at only around half the average Footsie valuation. That just can’t be right.The bank has kept its full-year outlook pretty much flat, when the City expected a boost. That reflects the pressures the financial sector still faces for the rest of 2023. The content in this article is provided for information purposes only. It is not intended to be, neither does it constitute, any form of investment advice. Bitcoin and other cryptocurrencies are highly speculative and volatile assets, which carry several risks, including the total loss of any monies invested. Readers are responsible for carrying out their own due diligence and for obtaining professional advice before making any investment decisions. Real estate

Based in London, Edward is a freelance investment analyst/writer who has clients all across the world. Before launching his own investment content business in 2017, he spent 15 years working in private wealth management and institutional asset management in the UK and Australia.

Target Healthcare is an interesting one. It’s a real estate investment trust (REIT), so the property squeeze will have had an effect. But it’s more than just an investment in property values. Target holds a portfolio of freehold and long leasehold care homes, which bring in long-term rentals. I think that focus provides safety. And on that score, I see a forecast price-to-earnings ( P/E) ratio of only 6.5, and set to fall. And there’s a dividend yield of 5% on the cards, also on the up. Still, a contrarian outlook fits in with my risk profile, and there’s reasonable diversification in the trust’s assets. I’m putting Fidelity Special Values on my list of buy candidates. Big yield

There’s a thing called net asset value (NAV). That tells me the value of the underlying assets that I own indirectly through my Scottish Mortgage shares. If the shares are above that value, we say they’re trading at a premium. I’d say the market has got it wrong about the tobacco firms too. For years, they’ve expected the demise of the business, but they’ve been dead wrong so far. The risk of a decline clearly is there. But I see a cash cow here, for a good few years yet. Financial risk The average price-to-earnings (P/E) ratio of the FTSE 100 has been around 14 to 15 over the long term. Right now, the Lloyds P/E is only 6.5. Of course, there’s also artificial intelligence (AI), which has received a lot of attention this year thanks to the success of ChatGPT. In the years ahead, this technology is set to have a big impact on every industry. Some experts believe that AI could be bigger than the internet. Stephen has a PhD in Philosophy and teaches at the University of Oxford. He's an enthusiastic Warren Buffett follower and focuses on buying quality businesses at sensible prices. He's also a podcaster with the PlayingFTSE show.So will I buy Legal & General shares? Well, I already bought some Aviva shares a few years ago. And though the share price has gone nowhere, I’ve at least been getting some decent dividends. But if the shares are cheaper than the asset value, then we say they’re on a discount. Scottish Mortgage shares are trading on a discount. And right now, it’s a big one. I've been a Fool for over a decade, and am proud to currently call myself the Editor in Chief of TMF UK. I follow Foolish investing principles, and buy shares in quality companies throughout both bull and bear markets! Foolish Freelancers Even Unilever, known for steady rather than big dividends, is on 4%. And that’s about the Footsie average right now. Cheap banks

Barclays shares fell 25% from their February high. There’s no clear gauge of what defines a crash, but that’s a big drop.

That said, Owain is usually a buyer of equities, where he prefers lightly geared, modestly rated companies, and is increasingly on the lookout for Buffett-style intangible quality. He aspires to buy-and-hold: his best investment ideas are worth much more than he sold them for. Then again, his worst investment went bust due to management fraud! Still, those who invest for income might not care too much about what happens to their share prices. After all, if I buy shares today with the aim of just taking the annual cash to help fund my old age, and never intend to sell them, who cares if the share price falls?