Stakeholder Pensions and the Stock Market

[Deleted User]

I'm afraid I'm not interested - but thanks for the suggestion But why not start a thread about it? I'm sure there are plenty of people keen to learn and you could give them some guidance, and as you say, I'm quite sure it's not difficult if someone chooses to apply themselves.

I prefer just to mull over other peoples responses to my question in this thread regarding the best time to put a lump sum into an existing stakeholder pension:

a) As early in the financial year as possible?
b) When the fund value is low take the opportunity and put it in then?
c) When the fund value is high take the opportunity and put it in then?
d) Pay it in gradually in small installments throughout the year?
e) Something else?

dunstonh

a) As early in the financial year as possible?
b) When the fund value is low take the opportunity and put it in then?
c) When the fund value is high take the opportunity and put it in then?
d) Pay it in gradually in small installments throughout the year?
e) Something else?

The answer is all of these. As it is impossible to tell what future returns will be then any of these could apply. Only hindsight will tell which option was best. Last year phased investing would probably have been the best option. This year phased could be as well although some time this year in a single lump could be as well.

However, given your risk profile of wanting to avoid any fund which doesnt have any guarantees on it then it doesnt really matter when you invest as movements in the market wont have any impact on you.