Cash isa maturity poser

P933alilli

I'm wondering what to do when my cash isa matures in 10 days. Its a 1 yr fix and i could have put it in my vls60 last year when the price was lower. My vls60 is currently +6.1%. I'm retired living off cash and have enough. I could just keep in cash  or maybe cda £1k per month back into the vls60. On the other hand i could take slightly more risk and invest in global all cap or ftse developed world x-UK. Another option ive considered is transferring from Vanguard over to HSBC vls60 but maybe that would leave me out of the market for too long?

Albermarle

What you should do is have a long term strategy. Hopping in and out of investments and cash savings is not the recommended way.
Savings for money that might be needed in < 5 years
Investments for for money that will not be needed for at least 10 years - investments
Mixture for inbetween
Pension for retirement.

 Another option ive considered is transferring from Vanguard over to HSBC vls60 
VLS 60 is a vanguard product, not a HSBC one. 

P933alilli

Thanks for the reply Albermarle! Yes, this time last year as i was new to investing outside of my small dc pension and hadnt seen any growth i was probably content to leave it as it was, not put any more in, and let it run for ten years. Now i'm not so sure although i realise ive missed out on some cheaper prices. I could open the HSBC balanced equivalent with the VLS60 being UK overweight slightly. Nevertheless i'd only be putting another 10-15k in and that would be it.