Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

    • cns06
    • By cns06 4th Dec 17, 9:03 PM
    • 226Posts
    • 107Thanks
    Topping up this years ISA
    • #1
    • 4th Dec 17, 9:03 PM
    Topping up this years ISA 4th Dec 17 at 9:03 PM
    I have put 10k into my 2017 S&S ISA to date and have another 10k ready to put in. Does anyone have any thought as when is best to do this? Normally I would just do it when I have the money but with Christmas round the corner and all this brexit stuff going on I was wondering if people think its better to wait till the new year once things calm down? It would be going into VLS80 BTW>
Page 1
    • Keep pedalling
    • By Keep pedalling 4th Dec 17, 9:12 PM
    • 5,203 Posts
    • 5,810 Thanks
    Keep pedalling
    • #2
    • 4th Dec 17, 9:12 PM
    • #2
    • 4th Dec 17, 9:12 PM
    Stick it in now, if only to stop yourself over spending at Christmas.
    • Alexland
    • By Alexland 5th Dec 17, 1:13 PM
    • 2,712 Posts
    • 2,061 Thanks
    • #3
    • 5th Dec 17, 1:13 PM
    • #3
    • 5th Dec 17, 1:13 PM
    The theory goes if people knew what was going to happen then the market would have already been priced on that basis so the question would then be what else, that people don't know, might happen. For which nobody knows with any certainty.

    I would just drip the money in as it becomes available to average our your cost per unit.

    Personally with such high p/e ratios and devalued currency then I wouldn't be investing new money in VLS80 unless you are putting the money away for a very long time (eg. LISA or pension) in which case current valuations won't matter much.

    I hold VLS80 in my zombie Halifax SIPP but I don't intend to draw from that pension until last so it should all be invested for at least 40 years and I would start reducing risk in around 25 years time. My other pension, which I would draw first, has a lower proportion of stocks and uses UK gilts to reduce currency risk incase sterling strengthens.

    I have a lot of pity for Theresa May who has a thankless and unpopular task of unearthing and grinding out a lot of contentious detail in the Brexit negotiations.

    In current market conditions I would suggest looking at the L&G multi index funds (if they are on your platform) to maintain high equity exposure (to beat inflation) but limit downside risk. The upside opportunity is limited by fundamentals at the moment anyway and bonds aren't providing much opportunity either.

    Last edited by Alexland; 05-12-2017 at 1:40 PM.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,180Posts Today

7,687Users online

Martin's Twitter