Vanguard Is It A Good Time To Top Up

Beddie

GazzaBloom said:

In my opinion, if you are investing for the long term, shovel money in as soon as you can. I DCA my monthly pension contributions as that is how my employer pays me, any money from my annual bonus, that I intend to invest, gets shovelled in, in a lump, the day it's paid.

No fannying around or worrying about timing this or that for me.

I really want to do that. However I find it hard to just drop a decent sum into my S&S ISA in one go. Fear and anxiety come into play, also the fact that whenever I've done that I seem to time it badly and suffer an immediate fall. I know - it's irrelevant in the long term, but still nags me.

For an "emotional" investor like me I really should chuck in all in a tracker or two and not look at it. Instead I read the latest Ukraine news, energy prices, doom and gloom everywhere you look. I'm trying to change!

GazzaBloom

Beddie said:

GazzaBloom said:

In my opinion, if you are investing for the long term, shovel money in as soon as you can. I DCA my monthly pension contributions as that is how my employer pays me, any money from my annual bonus, that I intend to invest, gets shovelled in, in a lump, the day it's paid.

No fannying around or worrying about timing this or that for me.

I really want to do that. However I find it hard to just drop a decent sum into my S&S ISA in one go. Fear and anxiety come into play, also the fact that whenever I've done that I seem to time it badly and suffer an immediate fall. I know - it's irrelevant in the long term, but still nags me.

For an "emotional" investor like me I really should chuck in all in a tracker or two and not look at it. Instead I read the latest Ukraine news, energy prices, doom and gloom everywhere you look. I'm trying to change!

If you invest for the long term, in a diversified tracker of market cap weighted global equities, like Lifestrategy 80 is, some will say you pretty much cannot fail, as long as you don't do anything silly when markets drop. 

I would advocate stop reading or worrying about the news, the only story you need to believe in, is mankind's continued desire and ability to trade products and services with each other in predominantly capitalist societies.

Albermarle

Beddie said:

GazzaBloom said:

In my opinion, if you are investing for the long term, shovel money in as soon as you can. I DCA my monthly pension contributions as that is how my employer pays me, any money from my annual bonus, that I intend to invest, gets shovelled in, in a lump, the day it's paid.

No fannying around or worrying about timing this or that for me.

I really want to do that. However I find it hard to just drop a decent sum into my S&S ISA in one go. Fear and anxiety come into play, also the fact that whenever I've done that I seem to time it badly and suffer an immediate fall. I know - it's irrelevant in the long term, but still nags me.

For an "emotional" investor like me I really should chuck in all in a tracker or two and not look at it. Instead I read the latest Ukraine news, energy prices, doom and gloom everywhere you look. I'm trying to change!

If investing all in one go brings you fear and anxiety, then better not do it. However on the other hand, don't keep looking  at the news ( which is pretty much always 90% bad) and let it stop you investing altogether. A half way house could be to invest 40% now, 30% in 3 months and the rest in another 3 months,

hallmark

My 2p:   If in doubt whether to drop a chunk in, there's not much chance it'll be wrong to drop in less.

For example:  buy 30% as much.  If it goes up you'll be happy you did. If it goes down you'll be happy to buy more cheaper.

Audaxer

awrightson said:

Audaxer I've read your message a few times and can't get my hear around it but will try again later!

I'll try to clarify. Say you had £10k invested in VLS80 in an S&S ISA. You could sell £2,880 of the VLS80 in your ISA and reinvest it in your SIPP back into VLS80. You will still have a total of £10k invested between your ISA and SIPP, but in two months you will get £720 tax relief in your SIPP which you can also invest in VLS80 if you wish.

If your original VLS80 investment had fallen in value to say £8k in your S&S ISA, you could still sell £2,880 from that and reinvest it in VLS80 in your SIPP. You will still have the same to £8k in total between your SIPP and ISA and still have £720 tax relief to come within the next two months. So, if you are wanting to effectively move money from your ISA to your SIPP, to be reinvested the same fund, then it doesn't matter whether the value of the fund has fallen, risen or stayed the same - you will still have the same net amount invested as you had when it was just in the ISA, but with the bonus of tax relief to come from your SIPP contribution,

awrightson

Apologies for the delay in replying and thanks again for the responses.

Albermarle & Hallmark that sounds like a good enough ideas.

Auduxer Think I might have understood what you have said but not sure how it would work as I already have the 2035 retirement fund in my sipp which has been topped up for this year by the £2880. Are you suggesting I could open the vls80 alongside the 2035 retirement fund in my sipp in the next tax year?