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Move out of S&S isa?

JV_21
JV_21 Forumite Posts: 6
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I moved from a cash isa to a Vanguard S&S isa two years ago, the LS 80%. It's been flat all this time so wondering what to do.

I don't need access to the money in the next few years. Is it worth moving back to a cash isa or normal savings now that rates are up again? 

Comments

  • dunstonh
    dunstonh Forumite Posts: 114,274
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
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    I moved from a cash isa to a Vanguard S&S isa two years ago, the LS 80%. It's been flat all this time so wondering what to do.
    You do nothing.   As performance is in line with expectation.      

    An economic cycle is around 15 years nowadays.  In that period you will have  good years, nothing years and bad years.  Some years will be very good (well into double digits).   Some years will be very bad (down by multiple digits)

    2022 was a mild negative year for VLS80 (-8.8%).  2023 is a very mild positive year YTD (up 4.52%).  


    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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