What ISA 100% risk would you buy today?

solidpro

I know the clever way to buy a year's worth of 100% equity-type ISA, or at least 100% high risk S&S ISA is to spread the £20k payment 12 or 52 or 250 times over a year but I just tend to plop the full amount in when the money is there, fire and forget style. I'm afraid that's how I roll. People to see, things to do, etc.

I'm also 20+ years away from retirement, so tend to use HL or similar to invest in VLS100 or similar. Something hot to trot, but not likely to sting me after 20 years sitting there, making BIG ££££££££. Good job, can't be fired because I am my own boss and I think I'm a really great employee. Own my house. Have a 12 month stash of bullion in my pillow, incase it all goes south. I even practice drinking my 'own water' as a precaution against the bad times.

So, anyway, seeing as I know nothing, if you HAD to put a full £20k into something 10/10 on risk level that can be tapped into in HL, in June 2024, what would it be?

Can't remember if the VLS100 is quite UK-weighted and things are sickeningly high right now, is there anything more 'broad' that isn't North Korea and isn't FTSE-heavy either? Or maybe you think we'll be at 10,000 points by Fireworks night?

Thanking you muchlykins.

ColdIron

How did your 'S&P500 kind of thing for Mexico' work out for you?

https://forums.moneysavingexpert.com/discussion/6473056/s-p500-kind-of-thing-for-mexico

El_Torro

The clever way to put £20k into a S&S ISA is to put it all in at once and then wait at least 10 years. Staggering the investment tends to give a worse result than investing it all at once. Selling your investment 1 month after buying it is also not a clever way to invest. 

Why not use a Cash ISA if you want all the money back in a month's time?

solidpro

ColdIron said:

How did your 'S&P500 kind of thing for Mexico' work out for you?

https://forums.moneysavingexpert.com/discussion/6473056/s-p500-kind-of-thing-for-mexico

So well, I've been living off huevos rancheros ever since.

El_Torro said:

Why not use a Cash ISA if you want all the money back in a month's time?

I'm pretty sure you were reading a post from another dimension. Once you have landed back on Earth, can you let me know what you think about my post?

Beddie

If you want to go in big, how about

https://www.hl.co.uk/shares/shares-search-results/i/ishares-vii-plc-nasdaq-100-ucits-etf-usd-ac
or 
https://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/f/fidelity-global-technology-w-gbp-accumulation/charts

masonic

What I actually did was top up existing regional ETFs, but what I'd do if starting afresh would be stick it all in FWRG at the start of the tax year. If repeating annually for 10-20 years, then that's plenty of pound cost averaging.

wiseonesomeofthetime

I put mine into VLS100 in 2021, and added more in 2022.

Current value shows a 24.88% gain. That's after it showing a loss a few times in those early months/year.

I just deposited and forgot about it. 10 year plan (for those funds). Certainly very satisfied so far, but aware it could alter should another big event occur once again.

Would another fund have performed better? No idea tbh 🤷‍♂️

InvesterJones

For a 20 year timescale you'd have to say a global equity tracker - no way of knowing which sectors/countries/etc. will be up by then so just buy everything and enjoy the bonus of fee saving over the period. For a one-off on HL then look at ETFs for the £45 annual platform fee cap - LGGG for developed world/mild ESG screen (TER: 0.10%), FWRG for all-world (TER:0.15%) etc.

solidpro

InvesterJones said:

For a 20 year timescale you'd have to say a global equity tracker - no way of knowing which sectors/countries/etc. will be up by then so just buy everything and enjoy the bonus of fee saving over the period. For a one-off on HL then look at ETFs for the £45 annual platform fee cap - LGGG for developed world/mild ESG screen (TER: 0.10%), FWRG for all-world (TER:0.15%) etc.

are you and @masonic  referring to this one?

@Beddie - I buy at 83,862.00p for breakfast and spit it out for dinner. Buy high sell low. LIFW, etc.

masonic

solidpro said:

are you and @masonic  referring to this one?

Yes, that's the one.

kempiejon

I like the Vanguard stable of ETFs, for global coverage and low costs split 90:10 between
VHVG 0.12% Global developed accumulating : VFEG 0.22% Emerging markets accumulating

Or tune your own ratios like 80:10:10 adding VGVA 0.07% UK Gilts accumulating.
10% gilts is a bit of safety. I haven't considered non UK government bonds.