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Stocks n Shares ISA


Private Gomer Pyle said:
You’re usually better off staying invested unless you actually need the money. Trying to jump in and out means you have to time it twice, which is really hard to get right.

Over time, markets tend to outperform savings accounts anyway, especially if you’re in diversified funds like Vanguard LifeStrategy 80/20 or a global index fund. Sitting in cash waiting for a dip often means missing gains instead.
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The challenge we have now though is there is typical something worldwide happening every two or three years, so u less you can hold for ten years then its very hard
 
Matt Hopkins said:
In - sitting tight
Out - being an absolute wet wipe
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In - tangible assets like land, art, independent household energy production.
Out - everything else ;)

It’d be interesting to see how Harry Browne’s permanent portfolio and other ‘all weather’ portfolios perform in times like this.

The permanent portfolio is supposed to cover all eventualities.
25% equities - driver of growth
25% gold - anti inflation
25% short term bonds/cash - anti recession
25% long term bonds - anti deflation (will be taking a kicking now)

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I moved all my ISA and pension investments into Short Term Money Markets at the start of the year so I'm lucky that they've not dropped at all and are returning just under 4% at the moment. Not sure why I done it now as previously was in Vanguard Life Strategy 80 despite having retired a couple of years back. I just realised I can pretty much get away with that smaller return now without the risk with Trump causing these huge swings. I was always comfortable previously with the risk having seen the many dips over past 12 years since I started managing my own pension. My advice is to sit tight and things will recover soon enough. You've just got to look at COVID which was far worse than what's causing the current dip.
 
mini-x2 said:
I'd say so. It could go down even further depending on how long Operation Epic Nonce Distraction goes on but the one I've got my eye on has dropped almost 25% in the last two months. I think it'll go even higher than its original peak within 12 months.
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Rolls Royce by any chance?
 
42 said:
Just remember, 12 months ago markets were going through similar volatility with Trumps tariffs. Then recovered & then some after a few months.
In 5 years time, this will just look like a blip on the graph.
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Indeedy. I'm seriously considering hoying all of my cash reserves into my S&S Vanguard 100 Equities plan any day now.
 
42 said:
Just remember, 12 months ago markets were going through similar volatility with Trumps tariffs. Then recovered & then some after a few months.
In 5 years time, this will just look like a blip on the graph.
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The Strait of Hormuz makes this one a bit more complicated.
 
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