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Stocks n Shares ISA

Big Jeff said:
It sounds a little bit like advice.

This is NOT criticism.
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It was a series of questions???

This is NOT a barbed response!

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So, the hypothesis is “rather than giving direct advice that could conflict with their beliefs, helping people find their answers by asking questions can generate better transformational results.” However, this doesn’t mean using coaching tools is always the right tactical action and people should never be prescriptive.
 
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Ned Land said:
It was a series of questions???

This is NOT a barbed response!

You must be logged on to see external links

…

So, the hypothesis is “rather than giving direct advice that could conflict with their beliefs, helping people find their answers by asking questions can generate better transformational results.” However, this doesn’t mean using coaching tools is always the right tactical action and people should never be prescriptive.
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That is a balanced response. But this bit

If your timespan is 10+ years then it won’t matter?

Is a bit advicey. But seeing as it's got nowt to do with us lets just stay mates and get on with our day. I hope you are having a nice Monday.
 
So has anyone any guesses how the stock market / investments will be affected with a budget cutting govt spending and putting up taxes? 😁

Gonna guess it will have a negative effect, so I'm tempted to wait until after the budget to transfer the money across...
 
MrMojo said:
So has anyone any guesses how the stock market / investments will be affected with a budget cutting govt spending and putting up taxes? 😁

Gonna guess it will have a negative effect, so I'm tempted to wait until after the budget to transfer the money across...
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There’ll probably be a bit of a dip but unless there’s any ticking timebombs that haven’t already been flagged, the markets have been briefed on the drip over the past few days as to the big hits so most of it should be priced in.
 
brir said:
Thinking of moving my s and s ISA into a 2 yr 4% cash ISA . Review in 2 years

Can't quite make my mind up though
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You’re trying to time markets mate.

TIME IN the markets, not TIMING the markets gets you the best long term returns. Always remember this. Transferring out when markets are low is also banking the loss. 4% also doesn’t exceed the current rate of inflation so that too is banking a loss.
 
Shirley Shammel said:
You’re trying to time markets mate.

TIME IN the markets, not TIMING the markets gets you the best long term returns. Always remember this. Transferring out when markets are low is also banking the loss. 4% also doesn’t exceed the current rate of inflation so that too is banking a loss.
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Hang on in then? Don't need the money yet.
 
brir said:
Hang on in then? Don't need the money yet.
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Markets usually price the fears of a looming recession in then the bounce back begins. Of course we don’t have a crystal ball so there’s nothing for certain.

A lot depends on the level of risk you are taking and whether you are comfortable to continue taking it in exchange for the potential returns that will bring.

But seldom has anyone been better off transferring into cash for LONG TERM returns and this type of thing has only recently reared its head due to rising rates and the falling equity and bond markets this year as returns on deposit accounts have not been this way for many years. When they were however people were still investing which speaks volumes.
 
Shirley Shammel said:
Markets usually price the fears of a looming recession in then the bounce back begins. Of course we don’t have a crystal ball so there’s nothing for certain.

A lot depends on the level of risk you are taking and whether you are comfortable to continue taking it in exchange for the potential returns that will bring.

But seldom has anyone been better off transferring into cash for LONG TERM returns and this type of thing has only recently reared its head due to rising rates and the falling equity and bond markets this year as returns on deposit accounts have not been this way for many years. When they were however people were still investing which speaks volumes.
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Thanks for the advice. Will give it further thought
 
Shirley Shammel said:
Markets usually price the fears of a looming recession in then the bounce back begins. Of course we don’t have a crystal ball so there’s nothing for certain.

A lot depends on the level of risk you are taking and whether you are comfortable to continue taking it in exchange for the potential returns that will bring.

But seldom has anyone been better off transferring into cash for LONG TERM returns and this type of thing has only recently reared its head due to rising rates and the falling equity and bond markets this year as returns on deposit accounts have not been this way for many years. When they were however people were still investing which speaks volumes.
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any idea what caused everything to shoot up a few % at the end of last week ?
 
brir said:
I'm the same, and apparently we looking at a 2 year recession so can we expect growth in that time? Dunno...
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Even a two year recession isn't much to worry about if you are investing for 10-20 years (or more) in the future. Just keep contributing regularly so you buy more units when the price is lower.
 
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