What Lessons Learned?

Nebulous2

https://forums.moneysavingexpert.com/discussion/comment/81922620#Comment_81922620

I'm closer to 65 than I would like! Just under 4 years away from 67. I'll see how the rules turn out and I'd expect to put it back in the market in some form by April 27.

There are some potential costs ahead that may mean actually spending some of it. I could meet that from elsewhere, but the ISA rule changes may mean that is the best source.

Nebulous2

https://forums.moneysavingexpert.com/discussion/comment/81922563#Comment_81922563

I'm fortunate to have a DB in payment and once two state pensions kick in we should meet almost all our expenditure from income.

I retired initially with a chunk of capital and expected to draw down quite a bit of it before state pension age. We haven't spent as much as anticipated, and the part-time work meant we didn't really draw down on savings. Between these two factors we are going to hit state retirement age with more money than we expected.

While the risk level seemed fine over the last 4-5 years, it hasn't felt like that for the last 3-4 months. The previous thread by chiang_mai played a part in crystallising my decision.

John464

US market hasn't fallen as much as the world average because US is a net exporter of oil that is not dependent on the Strait of Hormuz.

Predicting the future is notoriously difficult. If not impossible in this case because you are trying to guess what Trump will do, and I doubt if even he knows that.

Apparently previous administrations decided against a war with Iran because they knew this would happen https://www.theguardian.com/us-news/2026/mar/13/goal-plan-iran-war-military

FWIW my opinion is that Trump's only plan is to distract attention from the Epstein files he is holding back. (despite his election promise to release them). So I have little idea of what his next trick will be.

At the age of 72, I am still following Buffet's advice to his wife of 90% equities 10% cash, with nearly all my equities in world tracker ETFs (The rest directly in Europe) domiciled in IRL and run by Vanguard, Blackrock, and HSBC.

But my house is paid for and my pension covers my outgoings.

homestraight

I finally had enough cash to put the last chunk into my s&s ISA for this tax year. I'm 100% equity and a long way off retirement. I tend to buy any hold.

I normally add to my global tracker or smaller companies fund.

I've opted to put this chunk into the iShares ex USA tracker ETF. Time will tell if I should have or not

From next tax year I'll be able to do a regular monthly investment and that'll go into my global tracker.