What are people doing right now?

AL2022

Hi all,

Quick sense check.

Currently have £8,500 uninvested cash in a JISA for my 3 year old - so minimum of 15 years until it would be accessed.

The remainder of the JISA has been invested in a combination of LS100 and an Invesco all world tracker.

Should I just ignore the noise and get the £8500 into the funds now?

I'm in the same position with my own portfolio across ISA and JISA where I need to make the call on when to jump from money markets into my usual funds. I tend to just stick with set and forget options like Global ETFs.

Thoughts welcome - probably overthinking it!

Thanks all

InvesterJones

No one can know in advance what the best outcome would be, however avoiding investing because of noise generally hasn't played out as well as ignoring it, for a long time frame. An alternative is to cost-average - e.g. drip feed regular payments. Importantly, make this automatic, so you still ignore the noise. Drip feeding historically hasn't done as well as upfront lump some in the majority of cases, but if it helps avoid paralysis it's better than doing nothing!

Albermarle

Money market funds and Global index ETFs are two ends of a scale. Plenty of investments inbetween, such as multi asset funds.

HedgehogRulez

I’m at the dentist. :O

masonic

Over a 15 year horizon, the exact start point in 2026 is unlikely to make a huge difference to the overall rate of return. Drip feeding over, say, 6 months might give you some comfort and I can't see you missing out on lots of upside in that period.

friolento

I am enjoying the sun in the beer garden right now

noclaf

I am in a similar boat and this may not help but FWIW:

JISA for my son is 100% in HSBC FTSE All World. He is 4 years old and I do not plan to mention this account (untill he finds out!) so 100% equities all the way.

Regarding my own ISA, i am very much stuck on whether to stick with what is a multi asset portfolio that is currently 75/25 equities/bonds and either remain close to that split or just bung the whole lot into a single global equity fund (etf in my case) and get on with the life! The latter approach sounds great but I am also hesitating......

subjecttocontract

Ive spent the last few months sorting out & simplifying my finances. As a result I can now spend today sunbathing and planning my next money making adventure.

aroominyork

Our 2 year old granddaughter's JISA money goes straight into 100% equities. At nursery they teach her not to try to time the market. We teach the same on this forum but with less success.

aroominyork

https://forums.moneysavingexpert.com/discussion/comment/81979066#Comment_81979066

For more of the same visit forums.moneysavingexpert.com/profile/comments/HedgehogRulez

alfred64

https://forums.moneysavingexpert.com/discussion/comment/81979066#Comment_81979066

Pull the other one.