£40k into ISAs now or in March '23?

jimjames

ColdIron said:

If the OP pays transaction fees that could be quite expensive

I assumed from the OP that it was with Vanguard so no fees but that's a good point if it's held elsewhere

MEM62

solidpro said:

As a married couple we try to put £20k each into S&S ISAs each year with Vanguard (LS80). We're both in our 40s and can weather any storms.

Then could you not consider VLS100? 

solidpro said:

We have the money now but do we do it in December or wait until the last moment in March? 

What are you expecting to change between now and March?  

ColdIron

jimjames said:

ColdIron said:

If the OP pays transaction fees that could be quite expensive

I assumed from the OP that it was with Vanguard so no fees but that's a good point if it's held elsewhere

Yes, didn't read it properly

solidpro

MEM62 said:

What are you expecting to change between now and March?  

Maybe some ISA companies have incentives in traditionally slow months like Jan often have inventives to try and get people to invest. Maybe that goes in March before the FY comes around? 

Maybe someone who has been investing in S&S ISAs for 10 years has noticed that if they buy in Dec, they're always down in Jan so 5 years ago they just bought in Jan instead. 

As I said, it's not a big deal. It's not about now or never. It's not about waiting forever, it's simply Now, Jan,Feb or Mar. As I said it's a guess.

Albermarle

My experience in winter 2021/22 was that December had a dip and it was a good time to buy. January everything increased a LOT and then right at the end of January everything sunk by 15%

In January 2022, the FTSE 100 was up about 1.5%. European markets were down by a similar amount, but the S&P 500 was down 5% and the Nasdaq 9%.

So not sure where your info about January came from.

solidpro

It came from me. As I said the first half other month was good. The second, terrible. As an LS investor I expect I'm at the back of the queue when it comes to the changes hitting the value of our shares.

eskbanker

Albermarle said:

My experience in winter 2021/22 was that December had a dip and it was a good time to buy. January everything increased a LOT and then right at the end of January everything sunk by 15%

In January 2022, the FTSE 100 was up about 1.5%. European markets were down by a similar amount, but the S&P 500 was down 5% and the Nasdaq 9%.

So not sure where your info about January came from.

solidpro said:

It came from me. As I said the first half other month was good. The second, terrible. As an LS investor I expect I'm at the back of the queue when it comes to the changes hitting the value of our shares.

VLS80 was £269.43 on 4 January 2022 and fell fairly consistently throughout the month to about £255, before a brief minor rally to £260ish by the end of the month?

dunstonh

The peak was actually around 8th December 2021.  It started falling after that.  Some countries/regions started falling in November but currency fluctuations hide some of that.

VLS80 lost 1.68% in the first half of January and 2.62% from the peak in December.

solidpro

Fact fans celebrate!

eskbanker

solidpro said:

Fact fans celebrate!

What should myth fans do?