Funds in S&S ISA

sheslookinhot

16 months ago I started a S&S ISA, £300/month (6 x£50). I had no previous experience in selecting funds and selected as follows, 2 UK, 2 European and 2 Global.

I read others mentioning knowing when is the time to sell and buy, and as I am in this for the long term, never really bothered. Although I must say I never really understood what the sell signs were.

However, I looked at my funds today and noticed that 4 UK/Global were around 10-12% growth while the European, Jupiter European and Cazenove were only up 1 and 2.5% respectively.


Given that the eurozone is reported to have further difficulties ahead, is it time to;

a) sell these funds and invest proceeds and £50/month in 2 different funds.
b) keep the funds but no longer invest in them and select 2 other funds
c) Or as I am in for the long term, continue with them adding £50/month to each

Thoughts would be welcome.

yelf

just keep going. No one knows when to buy or sell.

dunstonh

I read others mentioning knowing when is the time to sell and buy

Dont worry about that. As yelf says, no-one knows. As long as you keep the portfolio rebalanced (as funds go out of sync with each other) you should be fine.

Given that the eurozone is reported to have further difficulties ahead, is it time to;

How do you know if the markets have already priced that in (or not)?
What if they are wrong?

peterg1965

Monthly investing over the long term will smooth out the peaks and troughs in market cycles - 'pound cost averaging'. Chopping and changing funds is something I would not do unless you can 'read' the markets - I am not sure anyone can do that effectively!

sheslookinhot

dunstonh wrote: »

How do you know if the markets have already priced that in (or not)? What if they are wrong?

You're right, commentary in the Times today mentions the strengthening of the euro.