S&P500 at record highs - time to stay in or pull out?

[Box Fresh]

You guys play shorter timeframes than me.
Month on month, YtD etc isn’t relevant.
12mth is my key metric and comfortably ahead of any fixed rate ISAs I could have achieved.
And the tax benefit of most being in pension funds makes the cushion before things are negative even more palatable.

Recent months performance just a blip in the grand scheme of things, sleeping easy.

[Hustle_]

ThingsBehindTheSun said:

okgo said:

Those rates will diminish fairly quickly given there’s more base rate cuts forecast for this year.

I really hope this happens as I gambled on a Two year fix for this very reason.

Like every financial gamble I make, I guarantee it will be wrong.

In the same boat mate, I fear they’re just not going to come down that much.

Could’ve had a 5 year at a smidge over 4%…

[Cabbage Patch]

ThingsBehindTheSun said:

av185 said:

Usual story rather depends if you are more stressed being out of the market than being in which I find is more often the case.

Both, when you hear about it going up 20% a year I am stressed that I am not in it, and when I am in it I am stressed that it went down 10 to 15% in a month.

I am in situation 2 because of situation 1, I just want to recover some of my loss and get the hell out. I am exactly the sort of people savings accounts paying 4.3% were designed for.

And FFS it dropped another 1.5% today.

I don’t think the finance forum is the place for you. You're getting stressed and caught up in all the noise over a minor correction. I’d take a step away, calm down, not try to time the market and check the performance of your investments no more than twice a year.

[anonymous-user]

Hustle_ said:

In the same boat mate, I fear they’re just not going to come down that much.

Could’ve had a 5 year at a smidge over 4%…

Same, wish I had gone for that instead.

[lizardbrain]

I'm similarly stressed by being in/out, but find hovering around a 50/50 to be optimal for sanity

I know i've missed out, but it's hard to be that upset either way if you are exactly on the fence

[RSTurboPaul]

av185 said:

What is the consensus on buying gold funds/ETCs atm.

Quite a bit in Blackrock Gold and General and Ninety One Global Gold which have done and are continuing to do well in the turbulance etc is it worth buying say Invesco Physical Gold ETC (SGLP) in addition or just more of the two funds?

Thanks.

You could buy actual physical and remove third party risk?

[Hustle_]

Stayed invested and bought the dip but I am considering trying to reduce my exposure in the next couple of months pre-empting the recession

[av185]

RSTurboPaul said:

av185 said:

What is the consensus on buying gold funds/ETCs atm.

Quite a bit in Blackrock Gold and General and Ninety One Global Gold which have done and are continuing to do well in the turbulance etc is it worth buying say Invesco Physical Gold ETC (SGLP) in addition or just more of the two funds?

Thanks.

You could buy actual physical and remove third party risk?

Needs to be ETC or funds

[RSTurboPaul]

av185 said:

RSTurboPaul said:

av185 said:

What is the consensus on buying gold funds/ETCs atm.

Quite a bit in Blackrock Gold and General and Ninety One Global Gold which have done and are continuing to do well in the turbulance etc is it worth buying say Invesco Physical Gold ETC (SGLP) in addition or just more of the two funds?

Thanks.

You could buy actual physical and remove third party risk?

Needs to be ETC or funds

Does the Sprott PSLV fall under either of those?

{Not an investor, as you can tell )

Much talk (always... lol) about Silver potentially doing better than gold in a PMs bull market / global SHTF situation.

[av185]

RSTurboPaul said:

av185 said:

RSTurboPaul said:

av185 said:

What is the consensus on buying gold funds/ETCs atm.

Quite a bit in Blackrock Gold and General and Ninety One Global Gold which have done and are continuing to do well in the turbulance etc is it worth buying say Invesco Physical Gold ETC (SGLP) in addition or just more of the two funds?

Thanks.

You could buy actual physical and remove third party risk?

Needs to be ETC or funds

Does the Sprott PSLV fall under either of those?

{Not an investor, as you can tell )

Much talk (always... lol) about Silver potentially doing better than gold in a PMs bull market / global SHTF situation.

Problems with Sprott are its quoted in USD it has high charges and a management fee and there is no dividend.

[RSTurboPaul]

av185 said:

RSTurboPaul said:

av185 said:

RSTurboPaul said:

av185 said:

What is the consensus on buying gold funds/ETCs atm.

Quite a bit in Blackrock Gold and General and Ninety One Global Gold which have done and are continuing to do well in the turbulance etc is it worth buying say Invesco Physical Gold ETC (SGLP) in addition or just more of the two funds?

Thanks.

You could buy actual physical and remove third party risk?

Needs to be ETC or funds

Does the Sprott PSLV fall under either of those?

{Not an investor, as you can tell )

Much talk (always... lol) about Silver potentially doing better than gold in a PMs bull market / global SHTF situation.

Problems with Sprott are its quoted in USD it has high charges and a management fee and there is no dividend.

But it does have the actual physical silver behind each bit of paper it issues - I imagine the fees cover storage costs!

[av185]

RSTurboPaul said:

av185 said:

RSTurboPaul said:

av185 said:

RSTurboPaul said:

av185 said:

What is the consensus on buying gold funds/ETCs atm.

Quite a bit in Blackrock Gold and General and Ninety One Global Gold which have done and are continuing to do well in the turbulance etc is it worth buying say Invesco Physical Gold ETC (SGLP) in addition or just more of the two funds?

Thanks.

You could buy actual physical and remove third party risk?

Needs to be ETC or funds

Does the Sprott PSLV fall under either of those?

{Not an investor, as you can tell )

Much talk (always... lol) about Silver potentially doing better than gold in a PMs bull market / global SHTF situation.

Problems with Sprott are its quoted in USD it has high charges and a management fee and there is no dividend.

But it does have the actual physical silver behind each bit of paper it issues - I imagine the fees cover storage costs!

Quite. Think I will stick with gold and keep topping up Ninety One Gobal.

Incidentally looks like Jupiter India is clawing back nicely atm and one of the few funds to rise yesterday.

[macron]

Hustle_ said:

Stayed invested and bought the dip but I am considering trying to reduce my exposure in the next couple of months pre-empting the recession

Which one?

[Sheepshanks]

macron said:

Hustle_ said:

Stayed invested and bought the dip but I am considering trying to reduce my exposure in the next couple of months pre-empting the recession

Which one?

. The Asian markets weren’t pretty this morning and US market futures aren’t looking good. Doesn’t seem any end to this at the moment.

[g4ry13]

macron said:

Hustle_ said:

Stayed invested and bought the dip but I am considering trying to reduce my exposure in the next couple of months pre-empting the recession

Which one?

All of them

[g4ry13]

Sheepshanks said:

macron said:

Hustle_ said:

Stayed invested and bought the dip but I am considering trying to reduce my exposure in the next couple of months pre-empting the recession

Which one?

. The Asian markets weren’t pretty this morning and US market futures aren’t looking good. Doesn’t seem any end to this at the moment.

Wait until 2 April when Trump pulls the Uno Reverse card and delays tariffs being implemented.

[Peterpetrole]

g4ry13 said:

Sheepshanks said:

macron said:

Hustle_ said:

Stayed invested and bought the dip but I am considering trying to reduce my exposure in the next couple of months pre-empting the recession

Which one?

. The Asian markets weren’t pretty this morning and US market futures aren’t looking good. Doesn’t seem any end to this at the moment.

Wait until 2 April when Trump pulls the Uno Reverse card and delays tariffs being implemented.

He's a chaos agent BUT that doesn't mean that the markets automatically go down. I stand by my view that everything going on has already been priced in and there's nothing to be done about it. Still gonna stick my ISA limit on the S+P in a few days.

[Panamax]

Just another Dad's Army moment - "Don't panic!"

If you look back over the past 30 years 4% on cash may look attractive for a few moments now and then but returns from the S&P500 have averaged 9% over the same period.

To hit the small moments when cash is better would require several miracles of market timing.

Comparing returns over 30 years with £100 initial investment,
Cash at 4% compound = £320 closing value, up by about 200%
Stocks at 8% compound = £1,010 closing value, up by about 900%

[StoutBench]

Opted for my annual bonus to go 100% into my Pension to buy S&P. Hoping this is one of those good moves. Tax free and a good time to buy.

[TownIdiot]

Panamax said:

Just another Dad's Army moment - "Don't panic!"

If you look back over the past 30 years 4% on cash may look attractive for a few moments now and then but returns from the S&P500 have averaged 9% over the same period.

To hit the small moments when cash is better would require several miracles of market timing.

Comparing returns over 30 years with £100 initial investment,
Cash at 4% compound = £320 closing value, up by about 200%
Stocks at 8% compound = £1,010 closing value, up by about 900%

Can't see any harm in just sitting it out for a while at the moment.

We might actually have a proper idea as to wtf is happening soon.

(I am not saying I'd move it all to cash now, but I can't really see a compelling argument to go further into the US market at the moment.)