• The forum upgrades are now largely complete.
    Please read this thread for more details.
    New user registrations are currently disabled.

Stocks n Shares ISA


Darlo1973 said:
I pretty much went sideways between October and the end of the year but 2026 has started well.

If I could get another 2-3 years of 10-15% growth then that would take me to a level where I would seriously think about whether working was worth it. I'm already at the stage where my investments make more money in terms of growth than I do. The challenge will be turning that growth into reliable income.
Click to expand...
Anybody who has invested wisely is in a similar position but caution is is the watch word here as the gains can very quickly turn to losses if the market sours

There is sure to be a correction at some point and that tangerine tit end is itching to kick off properly with someone.

It's only 12 months since the massive lump of bell cheese went tariff-tacular and my wedge dropped 12%
 
Asked this on the pension thread and didn't get a reply. ISA is maxed out got a couple of pay days till it resets. Is it worth keeping the money and sticking it in the ISA next year or putting it in my pension?
 
If 5 years ago you liquidated your pension £100K fund and used it to buy 85x1 ounce Krugerrands you'd be sitting on nearly £300K now.

Hindsight is not always wonderful
 
NYMackem said:
I don't want this to come across as patronising, because your posts on these kinds of topics make it very clear you know what you are talking about, but efficient market hypothesis does not suggest that prices are always "right", ie that they accurately reflect a reliable estimate of every company's discounted future cash flows. It is that the prices of companies reflect all available information and every market participant's opinion on what future prospects of each company are. If you have a load of greater fools rushing into the market because they think past growth will continue forever, or AI evangelists who think it is the new gold rush, then their opinions will be efficiently reflected in market prices. It's just that they might all be wrong.

It works as a theory as to why no-one can consistently outperform the market (at least after trading commissions and fees and without insider knowledge), but nothing more.
Click to expand...

Hence why is i said 'supposed to'
Yeah its all theoretical but they can act quite irrational. Bottom line is, no one knows what the future holds. Trumps just put another spanner in the works with Greenland. Can see a mass boycott of US goods from Europe.
Gyrotechnician said:
Asked this on the pension thread and didn't get a reply. ISA is maxed out got a couple of pay days till it resets. Is it worth keeping the money and sticking it in the ISA next year or putting it in my pension?
Click to expand...

Entirely depends on your circumstances & objectives. Pension is more tax efficient but isa has greater flexibility
 
Last edited:
Edinburgh Black Cat said:
The US pre-market has barely shifted.

I expect European companies might take a bit of a hit with the tariff news though.
Click to expand...
I don't think the markets pay attention to his threats anymore.

My S&S ISA is down 0.1% so far.

I can even see certain stocks in the US market going up today as acquiring Greenland would be a boost to US Tech and AI companies.
 
Rammstein said:
I thought reading this thread would help me ( and my wife ).

We inherited just over £500k a few months back.

I'm retired ( now 73 ) and have a decent enough private pension + state pension so we're okay.

My wife is 10 years younger, the idea is/was to invest the cash to provide for her once I'm gone.

We put £40k into ISA's. Done nowt with the rest.

Spoke to my pension provider ( Fidelity ) and M and G. Both want 2% once they provide a suitable portfolio. Parting with nigh on £10k seems a bit strong?!

I have zero knowledge of markets, investments etc.

I was told to contact Unbiased.com for advice... Is that a sensible step, since currently the money is earning sweet eff all in a Barclays account ?
Click to expand...
Similar to what's already been posted but if it was me:
  1. First thing would be £100k in Premium Bonds, maxing two accounts to £50k. If you do it in January, you'll be in the draw from March. Tax free and 'safe'. You won't get as much back as in other saving and investment options but it's worth doing at your time in life and also with this amount of cash in order to diversify
  2. Park £40k into an easy access savings account for the next few months. Then put this straight into two ISAs from April. All-fund equities tracker (higher risk but you or your wife will hopefully not touch this for at least 5+ years or beyond)
  3. £150k into a non-ISA investment account. Probably a passive global fund mix of 60-40 / 50-50 equities and cash/bonds. You'll get less than a 100% equities fund but you'll have fewer dips. Then every April take £40k from this and put it into the ISA to max it out immediately
  4. £100k in a mix of fixed period savings accounts, say 12 months, 24 months and 36 months. You'll probably get decent rates at the moment, around 4%. Consider options once you've passed the fixed period - either re-invest once more in either your non-investment account or fixed term accounts, or consider costs for care or other things for later in life, or add to pot #5 below...
  5. £60k of 'fuck it' cash. Holidays, car, hobbies, family. Ever fancy something? 'Fuck it'
  6. Another £50k in a basic instant access account for emergencies. You'll still get 3-3.5% and it means you don't need to dip into other things. Boiler breaks, new roof, need a car quickly...
  7. Get an accountant to deal with all the tax implications every year (fairly straightforward but who wants to piss about - use the 'fuck it' pot if needed). Consider a financial adviser to carry out the above every year - again not really needed but 'fuck it', who needs the hassle
  8. Sort a will out to make sure everything is allocated as you want when the time comes. Consider Power of Attorney
This way you're sorted for liquidity (you can access cash if/when you need it), you're being sensible with risk and you're still maximising decent returns for you and your wife. You're looking at £25k a year roughly, more depending on how the market goes and how your luck is with the Premium Bonds.
 
Last edited:
Horatio Moustache said:
Similar to what's already been posted but if it was me:
  1. First thing would be £100k in Premium Bonds, maxing two accounts to £50k. If you do it in January, you'll be in the draw from March. Tax free and 'safe'. You won't get as much back as in other saving and investment options but it's worth doing at your time in life and also with this amount of cash in order to diversify
  2. Park £40k into an easy access savings account for the next few months. Then put this straight into two ISAs from April. All-fund equities tracker (higher risk but you or your wife will hopefully not touch this for at least 5+ years or beyond)
  3. £150k into a non-ISA investment account. Probably a passive global fund mix of 60-40 / 50-50 equities and cash/bonds. You'll get less than a 100% equities fund but you'll have fewer dips. Then every April take £40k from this and put it into the ISA to max it out immediately
  4. £100k in a mix of fixed period savings accounts, say 12 months, 24 months and 36 months. You'll probably get decent rates at the moment, around 4%. Consider options once you've passed the fixed period - either re-invest once more in either your non-investment account or fixed term accounts, or consider costs for care or other things for later in life, or add to pot #5 below...
  5. £60k of 'fuck it' cash. Holidays, car, hobbies, family. Ever fancy something? 'Fuck it'
  6. Another £50k in a basic instant access account for emergencies. You'll still get 3-3.5% and it means you don't need to dip into other things. Boiler breaks, new roof, need a car quickly...
  7. Get an accountant to deal with all the tax implications every year (fairly straightforward but who wants to piss about - use the 'fuck it' pot if needed). Consider a financial adviser to carry out the above every year - again not really needed but 'fuck it', who needs the hassle
  8. Sort a will out to make sure everything is allocated as you want when the time comes. Consider Power of Attorney
This way you're sorted for liquidity (you can access cash if/when you need it), you're being sensible with risk and you're still maximising decent returns for you and your wife. You're looking at £25k a year roughly, more depending on how the market goes and how your luck is with the Premium Bonds.
Click to expand...

Bearing in mind that at 63, Mrs Rammstein still has 20+ years ahead of her (taking rough average life expectancies here, apologies if this comes across cold @Rammstein).

And considering the personal & state pension already in place I don't see a great deal of value in buying a significant chunk of cash/bonds in step 3. Steps 1,4,5,6 provide that hedge for you.

Nonetheless a solid plan. Exact preferences come down to risk appetite (importantly weighing up capital risk as well as inflation risk, the latter is often forgotten).
 
Analysts say 10% rising to 25% tariffs will have very little consequence on European growth rates, estimating around 0.1-0.3 percentage points reduction. Europe has already been expanding trade with other countries and blocs to counter US hostility.
 
Wakoro said:
Analysts say 10% rising to 25% tariffs will have very little consequence on European growth rates, estimating around 0.1-0.3 percentage points reduction. Europe has already been expanding trade with other countries and blocs to counter US hostility.
Click to expand...
EU and U.K. should reciprocate and charge 50% tariffs on shite food chains, and on gadgets made in China that pretend to be American.
 
You must log in or register to reply here.
Back
Top