S&S ISA newbie

Gobigorgohome

I’ve read most of the links I can find on here about s&s isa and I’m ready to set one up. 

I’ve got £10k spare and thinking about trading 212. Do I add the whole money or split it for £2k a month?

I’ve used £10k isa allowance this year and my premium bonds are full. I am not planning of needing this £10k for at least 10 years. I just don’t understand if it is better (less risky) to invest the whole amount or to do it monthly. If monthly then what to do with the rest?

I am in 45% tax so pay tax on all savings allowance except of isa. Pension is already full too 

Albermarle

As the long term trend of stock markets is up, then statistically it is better to put the whole amount in asap.
However you might be unlucky and invest just before a fall. With markets having a remarkable good run recently, then I suppose that is a possibility.
It's a gamble.

Eyeful

1. With the markets being so high at the moment, you might like to consider putting your money into the market in equal monthly amounts over say 5 months for example.

2. Just do not try to "time the market" or "jump ship" when the markets fall. Both are classic newbie mistakes.

3. I do not know what you intend to invest in but hope the following will be of interest and help to you.
https://monevator.com/passive-fund-of-funds-the-rivals/
https://monevator.com/best-global-tracker-funds/

ColdIron

Gobigorgohome said:

Pension is already full too 

What do you mean by this?

Ch1ll1Phlakes

ColdIron said:

Gobigorgohome said:

Pension is already full too 

What do you mean by this?

I imagine they meant they have maxed out their yearly contributions.