Discussion
So who's holding off for a bit?
I used my allowance to make use of money sitting in a bank account barely making 2%, only a few weeks ago but thanks to that idiot across the pond, it's already down 10% and falling.
Problem with funds is that it's not easy/quick to dip in and out, so there's not much I can do unless anyone can suggest a Trump proof fund
Waiting now for the bottom and then buy cheap.
I used my allowance to make use of money sitting in a bank account barely making 2%, only a few weeks ago but thanks to that idiot across the pond, it's already down 10% and falling.
Problem with funds is that it's not easy/quick to dip in and out, so there's not much I can do unless anyone can suggest a Trump proof fund
Waiting now for the bottom and then buy cheap.
Trading212 cash ISA.
They are offering a bonus at the moment.
You can add and take money out as you like.
I dump my salary in every month then take out as needed getting the daily interest.
What’s left after this usually to funds but I’m 50/50 now. Holding the cash that’s making 4.9% while the shares slide. Ha ha
They are offering a bonus at the moment.
You can add and take money out as you like.
I dump my salary in every month then take out as needed getting the daily interest.
What’s left after this usually to funds but I’m 50/50 now. Holding the cash that’s making 4.9% while the shares slide. Ha ha
How do you know where the bottom is? Wish I did, buy the dip. It keeps dipping 
I put money in the last few months, it’s dropped even more like you say. I’m thinking to just buy when my isa allowance starts again. Also thought buy £10k’s worth and dca the rest of the cash in throughout the year. Not sure.
But I’m sure it will come back, in 5/10/20 years this will be nothing but a buying opportunity.
I put money in the last few months, it’s dropped even more like you say. I’m thinking to just buy when my isa allowance starts again. Also thought buy £10k’s worth and dca the rest of the cash in throughout the year. Not sure.
But I’m sure it will come back, in 5/10/20 years this will be nothing but a buying opportunity.
Aiminghigh123 said:
Trading212 cash ISA.
They are offering a bonus at the moment.
You can add and take money out as you like.
I dump my salary in every month then take out as needed getting the daily interest.
What’s left after this usually to funds but I’m 50/50 now. Holding the cash that’s making 4.9% while the shares slide. Ha ha
Thanks, I'll have a look at that.They are offering a bonus at the moment.
You can add and take money out as you like.
I dump my salary in every month then take out as needed getting the daily interest.
What’s left after this usually to funds but I’m 50/50 now. Holding the cash that’s making 4.9% while the shares slide. Ha ha
keo said:
How do you know where the bottom is? Wish I did, buy the dip. It keeps dipping
I put money in the last few months, it’s dropped even more like you say. I’m thinking to just buy when my isa allowance starts again. Also thought buy £10k’s worth and dca the rest of the cash in throughout the year. Not sure.
But I’m sure it will come back, in 5/10/20 years this will be nothing but a buying opportunity.
yep - long term is the only way to look at it. I put money in the last few months, it’s dropped even more like you say. I’m thinking to just buy when my isa allowance starts again. Also thought buy £10k’s worth and dca the rest of the cash in throughout the year. Not sure.
But I’m sure it will come back, in 5/10/20 years this will be nothing but a buying opportunity.
For some piece of mind, an approach could be to spread the buys across the year - i.e. there's no knowing if it is a good or bad thing to do, but it allows you to "feel" like you are more actively managing the risk.
I dropped a lump in via pension yesterday, and will likely DCA into the ISA over the year.
Suspect I’ll average 2 x allowances into global fund over the next couple of weeks.
Ultimately, 12% from current trough to peak means £4k or so on that pair of allowances. It’s hardly worth worrying too much about it with that in mind. That £4k assuming you got it perfect likely inconsequential in the scheme. But I am 10-15 years from any using of my investments
Ultimately, 12% from current trough to peak means £4k or so on that pair of allowances. It’s hardly worth worrying too much about it with that in mind. That £4k assuming you got it perfect likely inconsequential in the scheme. But I am 10-15 years from any using of my investments
I just logged in to look at the damage. My VLS60 is still +3% over the last 12 months (edited for clarity- my mistake), rather glad I locked in a substantial amount in NS&I at 5% until Sept. I've been drip feeding the recent dips but was still erring on the side of caution so didn't fully utilise our ISA allowances. I guess I'd be daft not to buy into this latest dip. We're retired but still 8 &10 years off state pension age which is kind of my cut off to stop contributing, start properly drawing it down and blowing it on the finer things in life.
Edited by DT1975 on Friday 4th April 10:36
DT1975 said:
I just logged in to look at the damage. My VLS60 is still +3% YTD, rather glad I locked in a substantial amount in NS&I at 5% until Sept. I've been drip feeding the recent dips but was still erring on the side of caution so didn't fully utilise our ISA allowances. I guess I'd be daft not to buy into this latest dip. We're retired but still 8 &10 years off state pension age which is kind of my cut off to stop contributing, start properly drawing it down and blowing it on the finer things in life.
Well that's odd . I see VLS60 ay YTD is DOWN bit over 3% as of today . Granted it does show up 3% year-on-year 2AprilNo odds to me , but I am just trying to offset potential miss information . I guess your number could be possible with some aggressive selling/buying/selling
Disclosure, I don't hold this fund, but have been tracking it in my portfolio as wife and I have been considering moving a large amount into it. That plan been busted for this year !
PM3 said:
Well that's odd . I see VLS60 ay YTD is DOWN bit over 3% as of today . Granted it does show up 3% year-on-year 2April
No odds to me , but I am just trying to offset potential miss information . I guess your number could be possible with some aggressive selling/buying/selling
Disclosure, I don't hold this fund, but have been tracking it in my portfolio as wife and I have been considering moving a large amount into it. That plan been busted for this year !
Apologies I meant the last 12 months rather than YTD ! FT have it at +3.02% including yesterdays substantial drop.No odds to me , but I am just trying to offset potential miss information . I guess your number could be possible with some aggressive selling/buying/selling
Disclosure, I don't hold this fund, but have been tracking it in my portfolio as wife and I have been considering moving a large amount into it. That plan been busted for this year !
croyde said:
I used my allowance to make use of money sitting in a bank account barely making 2%, only a few weeks ago but thanks to that idiot across the pond, it's already down 10% and falling.
Same, I thought this would be a better "investment" than just paying 10% off my mortgage instead. How very wrong I was.I have tried to invest a lump sum in the S&P500 3 times now and every time the timing was terrible (one of these was a couple of months before Covid)
I literally give in, this is definitely not for me.
As I said on the other thread, my girlfriend is currently very happy as she has been waiting years to pay off her mortgage in Australia.
It is $2.13AUD to the GBP today, the highest I have seen in about 8 years or so. A decent money transfer has jest been made which pays off 2/3rd of the remaining balance.
Going to see if it goes up even more now and then pay the rest off. If it goes absolutely mental (in the $2.50 range) then she will be sending back every penny she has.
She has been counting down the days to put another £20K into her Cash ISA, but this seems a much better bet now.
It is $2.13AUD to the GBP today, the highest I have seen in about 8 years or so. A decent money transfer has jest been made which pays off 2/3rd of the remaining balance.
Going to see if it goes up even more now and then pay the rest off. If it goes absolutely mental (in the $2.50 range) then she will be sending back every penny she has.
She has been counting down the days to put another £20K into her Cash ISA, but this seems a much better bet now.
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