Stocks and Shares ISA

Thriftyandgifty

Thank you. I will have a look at this. Thanks for replying

Thriftyandgifty

How long would a full cycle be? I can keep it there longer. I have savings (not hugely healthy). I was looking at ways for my money not to depreciate through only savings and I'm prepared to take a risk for this. I thought I could invest in a S&S ISA and pick a ready made selection, but maybe I've misunderstood. Thanks for taking the time to reply.

Thriftyandgifty

Thank you. I will have a look at this. Thanks for replying

Thriftyandgifty

https://forums.moneysavingexpert.com/discussion/comment/81894358#Comment_81894358

Thank you. I will have a look at this.

Thriftyandgifty

https://forums.moneysavingexpert.com/discussion/comment/81894878#Comment_81894878

Thanks. That's what i was hoping to do- are these 'basket' the same as ready made investments (these are the only ones I can find on the HL website)? I appreciate your response.

Thriftyandgifty

https://forums.moneysavingexpert.com/discussion/comment/81895043#Comment_81895043

Great. This is what I am looking for. Is this a ready made track the market? 👍️

Thriftyandgifty

This is exactly what I'm doing- overthinking and overanalysing as its new to me- and even with reading and research I am a little overwhelmed. And you are right, I just want to get started and only check it periodically. It all feels a little complicated, so I'll have a look at Monevater site. Thanks for the tip.

Bostonerimus1

https://forums.moneysavingexpert.com/discussion/comment/81895913#Comment_81895913

There are many different types of investment funds. Some own shares in many companies and some specialize in bonds and others in things like gold and silver etc etc. The list goes on. Funds might track a particular market like the US total stock market of over 3000 companies, or geographical areas or type of company or bond. Your best bet is to buy a "fund of funds". This is a fund that owns other funds so you get a great diversity in your assets. The Vanguard LifeStrategy series of funds is one to research. There are a number of choices with different ratios of stocks and bonds…more stocks generally means they are more volatile. You need to sit down with a book or infront of a wen browser and do some reading. Try this:

https://www.bogleheads.org/wiki/Investing_from_the_UK

Doshwaster

https://forums.moneysavingexpert.com/discussion/comment/81895920#Comment_81895920

There are dozens, if not hundreds, of trackers depending on what you want to track - the UK, US, global, emerging markets or something sector specific?

The ones from Vanguard (or Fidelity) are good starting points as these are available on most platforms and are generally low cost.

A previous thread on the subject:

https://forums.moneysavingexpert.com/discussion/6594622/which-index-funds-to-invest-in

tonypyorkshire

https://forums.moneysavingexpert.com/discussion/comment/81894299#Comment_81894299

My apologies if this is a daft question but what length of time do you consider to be a "full cycle"?

Would that be 15+ years?