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Anyone putting another £3120 in?

talexuser
talexuser Posts: 3,610 Forumite
Part of the Furniture 1,000 Posts Name Dropper
in Savings & investments
I was planning to top up the old isa funds on July 1st, but the recent market highs have put a hold on that. I know we have till next April to use the allowance, and conditions can hardly be described as normal with all the interest seekers piling in, but when do you think the seasonal profit taking dips occur?
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Comments

  • gadgetmind
    gadgetmind Posts: 11,130 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    I'm going to be mainly drip-feeding from dividends and disposals of unwrapped holdings.

    Like you, I'm struggling to find anything unloved. Some mining and EM ITs are still on big discounts, but only relative to their peers and they are still closer to NAV than historically.
    I am not a financial adviser and neither do I play one on television. I might occasionally give bad advice but at least it's free.

    Like all religions, the Faith of the Invisible Pink Unicorns is based upon both logic and faith. We have faith that they are pink; we logically know that they are invisible because we can't see them.
  • vectistim
    vectistim Posts: 635 Forumite
    Part of the Furniture
    Monthly drip feed for me.
    IANAL etc.
  • C_Mababejive
    C_Mababejive Posts: 11,668 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Not in a cash Isa ..no
    Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..
  • TCA
    TCA Posts: 1,627 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    gadgetmind wrote: »
    Some mining and EM ITs are still on big discounts, but only relative to their peers and they are still closer to NAV than historically.

    Although its discount is half of what it has been in the last year, I took the plunge with BlackRock World Mining when it dipped below £4.50 last month.

    I still like the look of JP Morgan Global Emerging Markets Income but it has done far too well recently and is still on a premium.

    Henderson Far East Income has also been on my radar for some time but I'd like the price to drop a bit before I buy. Still annoyed at Best Invest's website which screwed up cancellation of a limit order and prevented me from buying at well below £3.

    I'm also watching Aberdeen Latin American Income with interest as the Brazilian elections come closer. That could be a real contrarian purchase!
  • jimjames
    jimjames Posts: 19,264 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    vectistim wrote: »
    Monthly drip feed for me.


    Same here. I've increased the monthly amount to get closer to the new limit and then top up with lump sums if there are any falls.
    Remember the saying: if it looks too good to be true it almost certainly is.
  • gadgetmind
    gadgetmind Posts: 11,130 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    edited 8 July 2014 at 1:13PM
    I hold both BRWM and HFEL in multiple portfolios.
    I am not a financial adviser and neither do I play one on television. I might occasionally give bad advice but at least it's free.

    Like all religions, the Faith of the Invisible Pink Unicorns is based upon both logic and faith. We have faith that they are pink; we logically know that they are invisible because we can't see them.
  • chucknorris
    chucknorris Posts: 10,795 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 9 July 2014 at 9:51AM
    I just topped up my additional £3,120 this morning in an allshare ftse tracker. I know that it is unlikely this morning's ftse level will be the lowest that I could have possibly invested this tax year, but I am happy enough with it. I also invested another £6k (gross) in my SIPP and £600 in my wine-saver (I have cut down about £100/month on alcohol so for a bit of fun I drip feed £50/month as well as a £600 lump sum in per year when I think the ftse is lowish). I'm hoping if my motivation starts to slip seeing the fund grow might just help me continue to keep down to 2 bottles of wine a week.
    Chuck Norris can kill two stones with one birdThe only time Chuck Norris was wrong was when he thought he had made a mistakeChuck Norris puts the "laughter" in "manslaughter".I've started running again, after several injuries had forced me to stop
  • Glen_Clark
    Glen_Clark Posts: 4,397 Forumite
    gadgetmind wrote: »
    I'm struggling to find anything unloved.
    Supermarkets?
    “It is difficult to get a man to understand something, when his salary depends on his not understanding it.” --Upton Sinclair
  • gadgetmind
    gadgetmind Posts: 11,130 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Glen_Clark wrote: »
    Supermarkets?

    My wife holds loads of SBRY and refuses to hold TSCO or any fags.

    I guess I could add ...
    I am not a financial adviser and neither do I play one on television. I might occasionally give bad advice but at least it's free.

    Like all religions, the Faith of the Invisible Pink Unicorns is based upon both logic and faith. We have faith that they are pink; we logically know that they are invisible because we can't see them.
  • planteria
    planteria Posts: 5,322 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    jimjames wrote: »
    I've increased the monthly amount to get closer to the new limit and then top up with lump sums if there are any falls.

    that sounds like a great plan. i haven't used my ISA allowance yet this tax year, but i intend to put the full £15k in an S&S ISA.
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