£100 per month to save

downshifted

Is now a good time to get back into stocks and shares? Should we start drip feeding in again - and if so where? Tracker or Managed?

We have cash savings - this would be long term saving

Thanks for any advice

downshifted

Reaper

Nobody can say whether it is a good time to get back into shares, and opinions vary. It all depends on whether the graph the recession follws turns out to be V-shaped, U-shaped, or L-shaped (eg L-shaped means it goes low and stays low).

Personally I am close to dipping my toe in the water but there is no rush as I'm not expecting any rises in the near future and indeed there may be some modest falls still to come. However drip feeding a monthly sum in over the long term is not a bad idea though you must understand risks (and rewards) are higher than usual in this volatile market so proceed only if you have a stong heart!

As to what to invest in - many managed funds don't have a very good record compared to cheaper trackers so I'd certainly include trackers in my portfolio. However I would go for managed funds too if their stated strategy matched my own views. I might also go for a bond fund. All these can be bought though a pick-n-mix style Funds Supermarket and funded by a regular monthly premium.

However I've got super-cautious since mistakenly assuring people Icesave wasn't likely to go bust so please understand these are my views and my plans, they are not a recommendation nor necessarily suitable for you.