Inflation and Savings - Best Way to protect

Chelt_chap

So with Inflation now at 9% and probably set to increase I am thinking about how best to mitigate this as my savings are loosing money each day. I am in my late 30's own a house with a mortgage. 

I have roughtly the following 

Cash ISA - currently 0.90% £30K 
Cash Savings - 0.8% £6K
Fixed Cash ISA expiring September - £10 K @ 1.12%

Stocks and Shares ISA 

FTSE 100 Index Tracker - £4K 
Vanguard Life Startegy 60 - £4K 
An Asian Markets Tracker - £1K  - Mainly Japan, China and India. 


Then about £100 in Bitcoin 

I have about £500 - £600 spare at the end of each month and have been drip feeding into my Stocks and Shares ISA over the past couple of years. Thing is the Stocks and Shares are going down so loosing money here and on my cash. What the devil am I meant to do! 

Thrugelmir

Interest rate on pay on the mortgage? 

numbersrule

A problem does not necessarily have to have an answer.
Supposing inflation is simply a symptom of a global climate and energy emergency?
We, as humans have become accustomed to science and economics finding answers to the world's problems.
But that doesn't necessarily always have to be the way of the world.

ColdIron

Boomshanka

Chelt_chap

Thrugelmir said:

Interest rate on pay on the mortgage? 

1.25 % about 100k left on a 350k house. I over pay £100 a month. It's a repayment mortgage

Linton

You can reasonably expect that a sensible investment in shares will eventually overtake inflation.  You can be pretty sure that cash savings never will.  So you need to think long term, there are no short term answers to inflation.

adindas

numbersrule said:

A problem does not necessarily have to have an answer.
Supposing inflation is simply a symptom of a global climate and energy emergency?
We, as humans have become accustomed to science and economics finding answers to the world's problems.
But that doesn't necessarily always have to be the way of the world.

Unless you have a crystal ball noone knows the future with certainty.

Knowing Stock market, Economics & Finance, Statistics & Probability will improve your chance to be on the right side.

Thrugelmir

adindas said:

numbersrule said:

A problem does not necessarily have to have an answer.
Supposing inflation is simply a symptom of a global climate and energy emergency?
We, as humans have become accustomed to science and economics finding answers to the world's problems.
But that doesn't necessarily always have to be the way of the world.

Unless you have a crystal ball noone knows the future with certainty.

Knowing Economics, Statistics & Probability will improve your chance to be on the right side.

Sometimes it's just a question of limiting the downside. 

eskbanker

Chelt_chap said:

Stocks and Shares ISA 

FTSE 100 Index Tracker - £4K 
Vanguard Life Startegy 60 - £4K 
An Asian Markets Tracker - £1K  - Mainly Japan, China and India. 

[...]

Thing is the Stocks and Shares are going down so loosing money here and on my cash. What the devil am I meant to do! 

Take advantage of cheap prices?  Also, reconsider your allocation, unless there's a good reason to have overlapping holdings like that....

aroominyork

eskbanker said:

Chelt_chap said:

Stocks and Shares ISA 

FTSE 100 Index Tracker - £4K 
Vanguard Life Startegy 60 - £4K 
An Asian Markets Tracker - £1K  - Mainly Japan, China and India. 

[...]

Thing is the Stocks and Shares are going down so loosing money here and on my cash. What the devil am I meant to do! 

Take advantage of cheap prices?

A little cheaper than a few months ago ≠ Cheap. (At least, not necessarily.)

AlwaysLearnin

aroominyork said:

eskbanker said:

Chelt_chap said:

Stocks and Shares ISA 

FTSE 100 Index Tracker - £4K 
Vanguard Life Startegy 60 - £4K 
An Asian Markets Tracker - £1K  - Mainly Japan, China and India. 

[...]

Thing is the Stocks and Shares are going down so loosing money here and on my cash. What the devil am I meant to do! 

Take advantage of cheap prices?

A little cheaper than a few months ago ≠ Cheap. (At least, not necessarily.)

Perhaps they meant buy 'stuff' now before prices increase (more)?