Montlhy deposts or buy when low?

Dird

Yeah I somehow missed the part of saving up

bxboards

george4064 wrote: »

Essentially, one should invest cash as soon as they can. So if they have a lump sum, then invest it as a lump sum..

Now I dis-agree with this.

I am using tracker funds as an example.

If I have a lump sum (which i do as it happens) and invest as soon as I can (which would be today) then my feeling is that right now I am at the top end of the market. My tracker funds will pay around 4% dividends a year, but I'm pretty sure a crash or dip will go way lower than 4%. So the time out of the market doesn't matter, although I do pay attention to the ex-dividend date when I buy.

So i wait for the dips and then buy. That way I get a lot more units for my money and I'm buying low. When they get to a peak (like now), I sell. Then buy again in the dips.

As I said, this works for me. I do this for both my SIPP and S&S ISA.

Biggles

bxboards wrote: »

So i wait for the dips and then buy. That way I get a lot more units for my money and I'm buying low. When they get to a peak (like now), I sell. Then buy again in the dips.

The OP was, I believe, talking about investing. You are talking about active trading. That's fine for those that like doing it (and think they can time the market) but I doubt that's what he was talking about.