£100,000 Inheritance - now the right time to invest?

Eco_Miser

richy999 wrote: »

I would drip feed the remainder into my retirement portfolio over the next 5-10 years, split between S&S ISA and my SIPP.
I would be wary of dumping the whole lot into the portfolio at once.

So, what would you do for the first nine years with the £10000 you didn't invest until year 10, ditto for eight years for year nine, etc.

If you think investment is worthwhile at all, you might as well do it straight away. and get all the dividends.

Sam_J12

Provided your friend is investing for the long term, now is a fine time to invest. Either through a pension or directly.

bigfreddiel

atush wrote: »

If it is more than 15K, you invest it (same platform) unwrapped and transfer the allowance over each year?

Why make easy complicated?

What's so complicated, just pick your investment strategy, and b&b into an ISA every year, job don.

fj

Dird

jimjames wrote: »

Would you prefer to buy a house or other product at 20% off? It's no different with the stock market. People see volatility or drops as a reason to not invest whereas with any other item you'd normally jump at the chance to get something at a cheaper price.

My dad jumped in to buy a "crazily good deal" on an xbox...had he waited until the new year sale he would have got it cheaper

LXdaddy

atush wrote: »

20K in cash accts, top up his pension, pay off mtg, the rest in s&S isas. Done.

I agree basically,

My priorities would be
1) pay off the mortgage
2) top up this year's pension contributions (may involve opening a personal pension SIPP)
3) some easily accessible cash in the interest bearing current Accounts (atush suggests 20K)
4) rest into S&S - inside ISA if you have room

The other major discussion here is do you go into the market straight away or do you drip feed - go in now. "Time in the market" is better than trying to "Time the market"

The issue is
Will the market be 10% lower next week? - if so wait till next week
Will the market be 10% higher next week? - if so buy now

If you know the answer to which way the market will move you can time the market - but nobody can know (without insider knowledge of specific stocks)