should I pull money out of my Isa?

bigfreddiel

agent69 wrote: »

But not anytime soon

I wouldn't be too sure of that, but of course if any of us could predict this stuff we wouldn't be wasting our time on this board! Or msybe we would?

Cheers fj

PeteinSQ

Assuming you're still saving for the future as opposed to wanting to live off the money you've already saved surely going into a S&S ISA is the way to go, especially if you can follow fj's advice and read up on passive investing?

Of course you want to keep a rainy day fund in some sort of high interest account but I can't see why you'd put it all in there when over time the S&S ISA has the potential to do so much better?

atush

bigfreddiel wrote: »

Lump sum investing or drip feed makes no difference.

The important part is knowing your investment strategy and your objective. Decide that and you are 90% there, the money bit is just the enabling of your strategy.

See my earlier posts for more.

Good luck fj

It actually does make a difference. They say thru statistics) lump sum is better.

But the biggest difference to me, is that you dont invest day 1, then watch your investment plummet day 2+. Drip feeding helps nervous investors keep a little bit calmer. My mom invested my fathers LI policy proceeds on september 1987. and you know what happened in Oct?

Anyway, for the most part we have always invested monthly as we save from income. Now we invest lump sums on occasion (esp bonuses etc).

bigfreddiel

atush wrote: »

It actually does make a difference. They say thru statistics) lump sum is better.

But the biggest difference to me, is that you dont invest day 1, then watch your investment plummet day 2+. Drip feeding helps nervous investors keep a little bit calmer. My mom invested my fathers LI policy proceeds on september 1987. and you know what happened in Oct?

Anyway, for the most part we have always invested monthly as we save from income. Now we invest lump sums on occasion (esp bonuses etc).

Well yes true enough, lump sum is the better option, but as this isn't a huge sum to be invested and the couple sre youngsters, so they should remain invested for a considerable length of time, it won't make much difference which way they invest.

Cheers fj