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Timing the investment

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The question that’s been asked time and time again and I know nobody knows the answer I’m just looking for peoples thoughts. 

I’m looking to add some money into my SAS Isa, I don’t have the money to do it during April so have missed out on the recovery. 

Are people expecting the markets to drop when the tariffs go live in July? 

Don’t want to invest then the markets drop 5-10% 
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Comments

  • Emmia
    Emmia Posts: 5,661 Forumite
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    I just invest on a regular basis, feeding my ISA monthly.

    I ignore dips and rises in the short term and don't obsessively look at the value. I check it once a month or so. 
  • InvesterJones
    InvesterJones Posts: 1,217 Forumite
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    Jamb0 said:
    The question that’s been asked time and time again and I know nobody knows the answer I’m just looking for peoples thoughts. 

    I’m looking to add some money into my SAS Isa, I don’t have the money to do it during April so have missed out on the recovery. 

    Are people expecting the markets to drop when the tariffs go live in July? 

    Don’t want to invest then the markets drop 5-10% 
    Then you're not investing, you're speculating.

    A 5-10% drop is nothing unusual, and if fear of it puts you off investing then you'll miss out in the longer run.

  • El_Torro
    El_Torro Posts: 1,868 Forumite
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    The best way to invest is for the long term, so 10 years or more. 10 years from now nobody will care what effect tariffs had on the global stock markets, it'll be lost in the noise. 

    Assuming the tariffs are implemented in July any effect on the stock market is likely to be short lived. 
  • dunstonh
    dunstonh Posts: 119,697 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    The question that’s been asked time and time again and I know nobody knows the answer I’m just looking for peoples thoughts. 
    As you know its a question that cannot be answered, why are you asking it?

    I’m looking to add some money into my SAS Isa, I don’t have the money to do it during April so have missed out on the recovery. 
    Technically, it still hasn't recovered if you are domiciled in Sterling as the exchange rate movements have gone against investors.

    Are people expecting the markets to drop when the tariffs go live in July? 
    Either drop, increase or stay in the similar ballpark.   As its unpredictable or unexpected events that typically drive negative periods, you cannot work on an expectation or offer a prediction.

    Don’t want to invest then the markets drop 5-10% 
    As equities can fall as much as 80%, why do you think you would get away with just 5-10% during a drop?





    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.
  • wmb194
    wmb194 Posts: 4,930 Forumite
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    If it makes you feel better psychologically you could always drip feed your money into the market. It doesn’t have to be all or nothing.
  • Hoenir
    Hoenir Posts: 7,742 Forumite
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    edited 30 June at 11:37AM
    Jamb0 said:
     

    Are people expecting the markets to drop when the tariffs go live in July? 


    The current level of imposed tariff's is already much higher than existed previously. US companies took note of Trump's election rhetoric. Front loading import shipments from July 2024. Full impact of what's now in place is unlikely to be fully felt under later this year. Economies don't turn on a light switch moment. 

    Plenty of other smoke signals to be found as well. 
  • jimjames
    jimjames Posts: 18,675 Forumite
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    edited 30 June at 12:39PM
    Jamb0 said:

    Don’t want to invest then the markets drop 5-10% 
    What about exchange rates dropping 10%? Might be a better time than April with that 
    Remember the saying: if it looks too good to be true it almost certainly is.
  • Linton
    Linton Posts: 18,164 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Hung up my suit!
    Jamb0 said:
    The question that’s been asked time and time again and I know nobody knows the answer I’m just looking for peoples thoughts. 

    I’m looking to add some money into my SAS Isa, I don’t have the money to do it during April so have missed out on the recovery. 

    Are people expecting the markets to drop when the tariffs go live in July? 

    Don’t want to invest then the markets drop 5-10% 
    If people believe the markets will fall in july they will sell or avoid buying in June.  Therefore prices will drop in June instead.  You cnnot time the markets, if you could the markets will move to invalidate the prediction.
  • ChesterDog
    ChesterDog Posts: 1,145 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    You're focused on an event that is expected.

    It's the ones that are not expected that move the needle the most dramatically. 
    I am one of the Dogs of the Index.
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