ISA investment guidance

krunal

hi all,

i have around 10k in my Freetrade isa and need some guidance on the investment. 
Currently markets are all high and not sure if it would be wise to invest all in one go. 

Also, any suggestion on the funds/etf/ stocks to invest in. Timeframe 10plus years 

dunstonh

Currently markets are all high

all of them?

not sure if it would be wise to invest all in one go. 

statistically, you would likely be wrong but it is impossible to say until you look back.

Also, any suggestion on the funds/etf/ stocks to invest in. Timeframe 10plus years 

That isn't how it works.   What investment strategy are you looking to follow?   Effectively you have asked us to pick some numbers between 1 and 30,000 without any information on suitability or strategy.

maxsteam

krunal said:

Currently markets are all high

If you think that the markets are at their peak, you should be holding cash. You might be wrong, of course.

JohnWinder

This is how it can work:

Get an idea of how much risk, or temporary but maybe long term loss of value, you can and are prepared to accept. '10plus years' can be anything from 10 to 50 years for a 36 year old. How much risk you can live with is a big determinant of how much you invest in risky, growth assets like shares or high yield bonds, and how much in stable value assets like government bonds or cash deposits. Those proportions will likely vary through those 10-50 years as your circumstances change.

Second, having determined #1, choose widely diversified, low cost, equity and bond funds that, if you're a conservative person, track decent indexes. If you're a bit of a gambler you might want an active fund(s) that sticks close to its relevant index so that you don't have to suffer too much under-performance compared with what you'd have been all but guaranteed with an index tracker. Most active funds have under-performed over periods exceeding about 3-5 years, and no one has demonstrated they know how to choose the ones that won't.

Thirdly, you don't need to review your investments very often; they'll be tracking the market and there's nothing anyone can do about changing how the market moves. Stick with your choices when at times different choices might have been better, as this will give your strategy the best chance of achieving its potential. If you need an advisor to keep you disciplined through the many years investing in stocks and bonds need to pay off big time, get one that doesn't charge too much.

krunal

thanks for the responses... 
so i am 35 yrs old with 2 kids... 200k ish mortgage.. 60 k in pensions with around 20 k per annum going in every year.

investment strat risk wise : moderate to medium 
have looked at few funds around but not able to make up my mind and need guidance on that.

Eyeful

1. Make sure you do not have any expensive debt.
2. Have an emergency Fund
3. Sort out your pension
4. Invest via SIPPs or sticks & shares ISA's
5. Invest for 10 years or longer.

6. First watch both of these
https://www.kroijer.com/
https://www.ifa.com/indexfundsthemovie/

7. Now consider a low cost Global Multi Asset Fund which will give you a ready made portfolio. Chose a share/bond split that you are comfortable with. That will allow you to sleep at night and remain invested when market crash (as they sometimes do).

8. Here are some funds to consider.
https://monevator.com/passive-fund-of-funds-the-rivals/

9. If thinking of ETF's,consider one that track a Global major index like the FTSE All World or MSCI World. Two examples are VWRL, HMWO.

10. If you do not feel like investing it all at once. Consider investing it over the year. If you are worried about investing. Then do not invest.