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Stocks n Shares ISA
- Thread starter Fletch
- Start date
GordonMuchallNo1Fan
Striker
One of my ISA rates went up yesterday.
32nd of December
Full Back
Be a big day today, hope my buys went through in time yesterday.
Darlo1973
Striker
I'm was about to do some rebalancing but have decided to hold off for a few days for things to settle down.
1more
Striker
I'm loathed to put my money in the US at the minute
GordonMuchallNo1Fan
Striker
4.31% fixed rate with Yorkshire Building Society this morning, just done a transfer.
Some canny rates above 4% at the moment
Some canny rates above 4% at the moment
Fletch
Striker
haven't watched it, but always a bit wary as often once you dig you find the presenter has links with a certain provider, not always as neutral a view as they make out on many of these finance advisor youtube videos . They wouldnt be doing it for free
The markets are canny mental mind: weeks of instability and missiles flying around the Middle East followed by a tentative ceasefire and loads more unpredictability to follow, yet stocks heading back towards record levels within a day. Shows that it's impossible to time these things and patience is critical.
DrNo!
Striker
It isn't over yet I fear with more ups and downs to come. I wouldn't get too carried away by the markets today.
Darlo1973
Striker
Yes, there are many of those type of "influencers" out there but Damien is pretty good at discussing the advantages and disadvantages of each and is open about when he gets money from affiliate links or you get a signup bonus. These channels also have to be careful with the regulators in that they can only offer information to allow people to make their own choice rather than straight up financial advice.
This is another good unbiased one:
You must be logged on to see media items
Totally agree. But they certainly have bouncebackability
buster
Striker
No good when inflation is what it is , not what they say it is .
One of my funds was up 2.43 % yesterday.
FishburnMackem
Winger
Whats the crack with people's recent investments then?
I pulled all my dosh out of the S&P a few months back for a big purchase but have a few grand leftover so wanting to start saving now for retirement.
I'm thinking stick £333 a month away into my T212 S&S Isa to hopefully make some good profits over each year then stick £4k in my Lifetime Isa every March to get the government's 25% bonus.
S&P500 would typically be a good shout but with Russian Sleeper#1 as POTUS who knows where money will be safe.
I pulled all my dosh out of the S&P a few months back for a big purchase but have a few grand leftover so wanting to start saving now for retirement.
I'm thinking stick £333 a month away into my T212 S&S Isa to hopefully make some good profits over each year then stick £4k in my Lifetime Isa every March to get the government's 25% bonus.
S&P500 would typically be a good shout but with Russian Sleeper#1 as POTUS who knows where money will be safe.
Dennis
Striker
He won't be president forever
Darlo1973
Striker
Apart from a few smaller and higher risk satellite funds for a bit of interest and diversity, most of mine in just in a very boring Vanguard 80% equity 20% bonds global fund. A global fund is going to be about 70% the US anyway.
42
Striker
S&P is now too concentrated towards a small handful of tech stocks.
If going all in on the US, an equal weight fund may prove to be better value. Theres also arguments for having a home bias, so the LS100 would be good for that.
