Thoughts on fixing savings now?

george4064

dude7691 said:

Albermarle said:

. I'm saving for a house in 4 years time, 

If this would be a first time buy and you fit the other criteria, have you looked at a LISA for the 25% free top up ?

https://www.moneysavingexpert.com/savings/lifetime-isas/

Hi there  
I should've mentioned this sorry, I already have a Cash LISA with Nottingham BS paying 0.8%, may move it over to a S&S LISA in the event of a good buying opportunity in stocks  

What if stocks keep gradually go up and up? When will you invest in stocks then?

If you have sufficient emergency savings and have a long enough horizon you should invest as soon as you can. Time in the market, not timing the market.

colsten

dude7691 said:

Albermarle said:

. I'm saving for a house in 4 years time, 

If this would be a first time buy and you fit the other criteria, have you looked at a LISA for the 25% free top up ?

https://www.moneysavingexpert.com/savings/lifetime-isas/

Hi there  
I should've mentioned this sorry, I already have a Cash LISA with Nottingham BS paying 0.8%, may move it over to a S&S LISA in the event of a good buying opportunity in stocks  

What would you do with your S&S LISA if it's worth 25% less than you paid in, just as you need your cash for your house purchase?