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Stocks n Shares ISA

Just received a sizeable lump sum. Need to decide if now is the time to put it in my S&S ISA, or if I should wait for a dip?
What's everyone's thoughts?
 

I only put in half of what I wanted back in April as was sure as ive a hole in me arse that there'd be a dip in the comming weeks, and here we are hitting new highs.

I do think the long term effects of the iran war are hugely underestimated, and it could still take a few months for the initial shock waves to hit never mind if it continues another 6,8,12 months.

It's baffling times at the minuite for sure.
 
32nd of December said:
I only put in half of what I wanted back in April as was sure as ive a hole in me arse that there'd be a dip in the comming weeks, and here we are hitting new highs.

I do think the long term effects of the iran war are hugely underestimated, and it could still take a few months for the initial shock waves to hit never mind if it continues another 6,8,12 months.

It's baffling times at the minuite for sure.
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Yeah, usually I wouldn't hesitate. But trump seems to be deliberately crashing them booming the markets to enrich himself.
 
History seems to be clear, invest as much as you can as soon as you can and keep investing as often as you can. Let the fund manager do the work for you as soon as possible !
 
Could go a bit leftfield & look at equal weighted funds as might get better long term value & may not be impacted as much when the impending AI crash happens
 
PTR said:
It's such an unusual peak at the moment though
And Trump always has that ability to fuck everything
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It's not its just an upward trend. I
PTR said:
Just received a sizeable lump sum. Need to decide if now is the time to put it in my S&S ISA, or if I should wait for a dip?
What's everyone's thoughts?
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I remember when I first invested into the markets 40 ish yrs ago I heard the exact same thing. It's near the top should I wait.... the answer is if you want the money out in the next year or two then maybe go cash isa. If its a long term investment pile in and keep piling in.
 
Joaquin said:
Nothing wrong with a good adventurous fund when you're young enough! Do you find the market tracker yields better success long term?
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Even the best fund manager won't consistently beat the market and you are paying higher fees for the privilege.

Just stick the majority your money in a global diverse tracker and then forget about it. Hand-picked funds are fine for a bit of interest but if you are young enough then just trust in the markets and time to do the work.
 
Joaquin said:
Nothing wrong with a good adventurous fund when you're young enough! Do you find the market tracker yields better success long term?
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Over the last whatever number of years, a diversified global tracker has been the better long term option. However currently because there's now too much concentration with the mag7 stocks which isn't great. Then some people argue in favour of having a home bias (which dilutes the concentration issue a bit) which you could have something like the vanguard LS100 which I use quite a bit, then some will argue against it.

My main funds are in vanguard, but have a bit of a side gamble fund with invest engine where you can create your own fund of funds & gone for more equal weightings & value funds, to see how it plays out.
 
42 said:
Over the last whatever number of years, a diversified global tracker has been the better long term option. However currently because there's now too much concentration with the mag7 stocks which isn't great. Then some people argue in favour of having a home bias (which dilutes the concentration issue a bit) which you could have something like the vanguard LS100 which I use quite a bit, then some will argue against it.

My main funds are in vanguard, but have a bit of a side gamble fund with invest engine where you can create your own fund of funds & gone for more equal weightings & value funds, to see how it plays out.
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Agree. The Vanguard LS100 has pretty much the same growth as the S&P 500 over the last 5 years.

I’ve put money into the LS100, Vanguard S&P500 and HSBC Global Strategy. All gone up about 70% in last 5 years.
About an average of 11% per annum I think.
 
42 said:
Over the last whatever number of years, a diversified global tracker has been the better long term option. However currently because there's now too much concentration with the mag7 stocks which isn't great. Then some people argue in favour of having a home bias (which dilutes the concentration issue a bit) which you could have something like the vanguard LS100 which I use quite a bit, then some will argue against it.

My main funds are in vanguard, but have a bit of a side gamble fund with invest engine where you can create your own fund of funds & gone for more equal weightings & value funds, to see how it plays out.
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Just to be specific, all of my money has been in a Hargreaves Lansdown Adventurous Fund for about just over 2 years (class a accumulation) and haa naturally done well like the rest of the market. I just picked it to get going basically and thought I would learn the hard way.

In reality I should get this somewhere else for the long term ? I also don't quite understand the point in having numerous funds doing a similar thing. I feel like I might aswell pick one fund and be done with it ?
 
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