paying a lump sum into s+s isa

Mick70

IF possibly have £20k available to pay into a S&S ISA , would you put it in asap as one lump sum, or spread out risk and drip £2k a month into it , until reach that £20k limit ?
was unsure what was best 

Mick70

edit.. thanks by the way

MallyGirl

only hindsight will tell you what was best. If you go lump sum and the markets rise and stay up then you will be a winner, if they fall then not so much.
What else will you do with the money if you trickle feed?

Suhusa

If you put it in month by month then you'll avoid the effect that you put it in at a (in hindsight) 'bad' time all at once. You may want to compare costs between both though.

Simon11

I personally would look to put more of my income into my pension pot for a year to take advantage of tax saving and then live off the £20k savings.

This is based on the limited information provided above, with no idea how much you hold in ISA, pension and other pots.

Albermarle

I believe that statistically it is better to put in the lump sum all at once. This is based on that fact that markets go up more than they go down.
An alternative is to add say 40% now, 30% in 3 months and another 30% in 3 months.

Marcon

See https://www.thisismoney.co.uk/money/isainvesting/article-11938315/How-Isa-investors-gain-paying-start-tax-year-not-end.html

dealyboy

@Albermarle said:

I believe that statistically it is better to put in the lump sum all at once. This is based on that fact that markets go up more than they go down.
An alternative is to add say 40% now, 30% in 3 months and another 30% in 3 months.

I have read that, but who is going to do that immediately the funds become available? as curious creatures we are likely to research investments and market conditions and end up procrastinating and timing and then blaming  .

I agree with you that a feeder strategy as you describe is sensible, or even a routine monthly investment ... smoothing those peaks and troughs and naughty temptations.

Albermarle

I have read that, but who is going to do that immediately the funds become available? as curious creatures we are likely to research investments and market conditions and end up procrastinating and timing and then blaming

There are people on these forums, who put £20K into their S&S ISA on April 6th every year,and invest it immediately.

Not me by the way, I like a good procrastination/waiting for market to drop a bit etc .

I know its wrong but I am only human 

penners324

Thus is the pension board. I hope this lump some isn't coming from your pension

Mick70

penners324 said:

Thus is the pension board. I hope this lump some isn't coming from your pension

no. just employment income .   £20k at max