Market timers - when are you going back in?

P933alilli

Thrugelmir said:

Collyflower1 said:

My dilemma now is whether to put the remaining 18.5k isa allowance into this years S&S isa or carry on dripping!

Use the allowance even if the money sits in cash. 

Cash isa you mean?

Thrugelmir

Collyflower1 said:

Thrugelmir said:

Collyflower1 said:

My dilemma now is whether to put the remaining 18.5k isa allowance into this years S&S isa or carry on dripping!

Use the allowance even if the money sits in cash. 

Cash isa you mean?

No in the S&S account. Then it's ready to deploy. 

P933alilli

Audaxer said:

Collyflower1 said:

My dilemma now is whether to put the remaining 18.5k isa allowance into this years S&S isa or carry on dripping!

Unless you are definitely going to have another £20k to contribute for next tax year's S&S ISA allowance, I wouldn't rush to put the remaining £18.5k of your allowance for this tax year in if you have no immediate plans to invest it.

I have another 20k set aside for next year but dont think its wise putting it all in atm!

Bobziz

So you're happy to lose this year's ISA allowance then ? As Thrug said, you can put it in your s&s ISA as cash and invest when you're comfortable doing so.

adindas

Collyflower1 said:

Thrugelmir said:

Collyflower1 said:

My dilemma now is whether to put the remaining 18.5k isa allowance into this years S&S isa or carry on dripping!

Use the allowance even if the money sits in cash. 

Cash isa you mean?

Yes, you can still open a Cash ISA account with Bank and/or BS for your 18,5K as long as they're different types, meaning it's possible to pay into a Cash ISA and a S&S ISA in the same tax year.

It is not a good strategy to be rushing in investing in S&S ISA if you believe the stock market will not be performing to the level what you are expecting within your time horizon.

So if you have not decided what you want to invest it is probably better to put it into flexible cash ISA of your 18.5K to make best use of your ISA allowance this tax years.

Starting from April 6, 2022 this year you could still add another £20K into cash ISA while you could divert your 18.5k to S&S ISA investing in the stocks. fund you want to  invest.

Steve182

First and foremost, I consider the success of my investment portfolio of lower importance than the plight of Ukraine. 

I moved much of my portfolio into more defensive stocks end of 21, for reasons unrelated to Ukraine. Then seeing the writing on the wall with the impending invasion of Ukraine I sold much of my remaining investment in growth stocks mid Feb, before the invasion.

My plan is now to use that money to invest strategically, looking for opportunities to invest in companies who may benefit from the current global situation, which may exist for some considerable amount of time, but who's share price does not yet reflect this opportunity. 

Just one example of several that I'm currently researching are LNG shipping companies. 

mears1

Steve182 said:

First and foremost, I consider the success of my investment portfolio of lower importance than the plight of Ukraine. 

I moved much of my portfolio into more defensive stocks end of 21, for reasons unrelated to Ukraine. Then seeing the writing on the wall with the impending invasion of Ukraine I sold much of my remaining investment in growth stocks mid Feb, before the invasion.

My plan is now to use that money to invest strategically, looking for opportunities to invest in companies who may benefit from the current global situation, which may exist for some considerable amount of time, but who's share price does not yet reflect this opportunity. 

Just one example of several that I'm currently researching are LNG shipping companies. 

Hadn't realised that some people had come out of the market completely. 

So, is the global market too uncertain now to plough a 6 figure amount into global trackers, with a view of 10 years? 

 Or does buying when fund prices are lower make more sense, if one intends to buy trackers anyway? Although  the price of some global trackers have not dropped a lot from 1 day to the other, even though the ftse has dropped. Eg hsbc ftse all world index fund. But VG ftse developed world index ex uk has. Make sense of that!

adindas

mears1 said:

Steve182 said:

First and foremost, I consider the success of my investment portfolio of lower importance than the plight of Ukraine. 

I moved much of my portfolio into more defensive stocks end of 21, for reasons unrelated to Ukraine. Then seeing the writing on the wall with the impending invasion of Ukraine I sold much of my remaining investment in growth stocks mid Feb, before the invasion.

My plan is now to use that money to invest strategically, looking for opportunities to invest in companies who may benefit from the current global situation, which may exist for some considerable amount of time, but who's share price does not yet reflect this opportunity. 

Just one example of several that I'm currently researching are LNG shipping companies. 

Hadn't realised that some people had come out of the market completely. 

So, is the global market too uncertain now to plough a 6 figure amount into global trackers, with a view of 10 years? 

 Or does buying when fund prices are lower make more sense, if one intends to buy trackers anyway? Although  the price of some global trackers have not dropped a lot from 1 day to the other, even though the ftse has dropped. Eg hsbc ftse all world index fund. But VG ftse developed world index ex uk has. Make sense of that!

Diversification, globally diversified portfolio might fit to majority of the people especially for people who do not want to spend time to do the research, typically invest and forget type of investors but it is not the best strategy in the stock market out there.

Charlie Munger is also saying similar things.

Thrugelmir

mears1 said:

Steve182 said:

First and foremost, I consider the success of my investment portfolio of lower importance than the plight of Ukraine. 

I moved much of my portfolio into more defensive stocks end of 21, for reasons unrelated to Ukraine. Then seeing the writing on the wall with the impending invasion of Ukraine I sold much of my remaining investment in growth stocks mid Feb, before the invasion.

My plan is now to use that money to invest strategically, looking for opportunities to invest in companies who may benefit from the current global situation, which may exist for some considerable amount of time, but who's share price does not yet reflect this opportunity. 

Just one example of several that I'm currently researching are LNG shipping companies. 

Hadn't realised that some people had come out of the market completely. 

So, is the global market too uncertain now to plough a 6 figure amount into global trackers, with a view of 10 years? 

 Or does buying when fund prices are lower make more sense, if one intends to buy trackers anyway? Although  the price of some global trackers have not dropped a lot from 1 day to the other, even though the ftse has dropped. Eg hsbc ftse all world index fund. But VG ftse developed world index ex uk has. Make sense of that!

Different indexes have different market weightings and exposures. 

Steve182

mears1 said:

Steve182 said:

First and foremost, I consider the success of my investment portfolio of lower importance than the plight of Ukraine. 

I moved much of my portfolio into more defensive stocks end of 21, for reasons unrelated to Ukraine. Then seeing the writing on the wall with the impending invasion of Ukraine I sold much of my remaining investment in growth stocks mid Feb, before the invasion.

My plan is now to use that money to invest strategically, looking for opportunities to invest in companies who may benefit from the current global situation, which may exist for some considerable amount of time, but who's share price does not yet reflect this opportunity. 

Just one example of several that I'm currently researching are LNG shipping companies. 

Hadn't realised that some people had come out of the market completely. 

So, is the global market too uncertain now to plough a 6 figure amount into global trackers, with a view of 10 years? 

 Or does buying when fund prices are lower make more sense, if one intends to buy trackers anyway? Although  the price of some global trackers have not dropped a lot from 1 day to the other, even though the ftse has dropped. Eg hsbc ftse all world index fund. But VG ftse developed world index ex uk has. Make sense of that!

I've not left the market completely.

My post reads -

I moved much of my portfolio into more defensive stocks end of 21

Then seeing the writing on the wall with the impending invasion of Ukraine I sold much of my remaining investment in growth stocks mid Feb, before the invasion.

So I'm still about 85% in equities, albeit with not much in US or in growth stocks.

I'm heavily invested in mining, especially gold, and have a fair bit in "dirty" energy.

I'm a very active investor with a lot of direct share holdings and own few trusts or funds.

My own approach may not be successful, certainly this is not an approach I would recommended for the majority of retail investors.