S&P500 at record highs - time to stay in or pull out?
Discussion
Just looking at my s&s ISA options for this year, I'm currently using NatWest Invest. I've got it in a balanced fund as I'm probably looking at another 10 years building it it and it's already been in about 3.
It's overall growth is 8% in that time, it pretty much went flat this time last year so that's the growth over a year. Should I be looking elsewhere or does this sound ok for a passive investment?
It's overall growth is 8% in that time, it pretty much went flat this time last year so that's the growth over a year. Should I be looking elsewhere or does this sound ok for a passive investment?
g4ry13 said:
732NM said:
g4ry13 said:
732NM said:
g4ry13 said:
Your view is that we have another 9 months of this Iran issue?
YepI personally don't see that there is appetite to keep this war going that long. The support isn't there + it's midterms year.
I'm of a somewhat different opinion
It's baked in for the year to be above $100, Iran will make sure of that.
There could be some upside shocks on the way but am still very much of the opinion we were looking at temporary increases which have already somewhat deflated.
As for inflation, that's a different matter...
If that goes wrong, up to $120 it will go, if some deal is done, it's not going back to where it was pre this s
t show, that may be lower than $100, but it's not going back to $50.For this ceasefire to lead to a long term deal, both sides are going to have to move their position significantly, because the current terms are simply a no chance situation.
Chicken Chaser said:
Just looking at my s&s ISA options for this year, I'm currently using NatWest Invest. I've got it in a balanced fund as I'm probably looking at another 10 years building it it and it's already been in about 3.
It's overall growth is 8% in that time, it pretty much went flat this time last year so that's the growth over a year. Should I be looking elsewhere or does this sound ok for a passive investment?
You have to be careful using YOY growth at a certain timestamp point. This time last year (April 2nd) Trump crashed the market with his "liberation day" tariff presentation, so growth will look better than it really is if you use the low point from that absurd sIt's overall growth is 8% in that time, it pretty much went flat this time last year so that's the growth over a year. Should I be looking elsewhere or does this sound ok for a passive investment?
t show as your start point.130R said:
Good Plan Ted said:
Could I invest in a SP500 tracker this morning and make money on today s movements or is it all long term ie days to invest and days to sale means you lose profits.
I have AJ bell, HL, and II as platforms.
It's moved already pre-market and index fund buys execute at the end of the day at the earliest I believe. With a S&S ISA it can take a few days for a buy to go through in my experience (with Vanguard). In 10 years it will make little difference what day you bought on though.I have AJ bell, HL, and II as platforms.
As an example - This year buy order date 6th April completed on 7th April at 11:11am (all-world fund). Last year buy order date 6th April completed on 8th April at 9:34am (S&P 500)
Edited by 130R on Wednesday 8th April 09:16
g4ry13 said:
SkinnyPete said:
SkinnyPete said:
Put £20k in Vanguard FTSE global all cap. Really can t be bothered to time the market.
Also I recently moved to the Freetrade app which is horrible to use so this stops me looking. The vanguard app was far prettier and I used to check far too often .
This landed at 9am this morning. I may have finally bought the dip for the first time.Also I recently moved to the Freetrade app which is horrible to use so this stops me looking. The vanguard app was far prettier and I used to check far too often .
I suppose it doesn’t really matter in a long-term, but it’s nice not to be buying at an all-time high for once.
732NM said:
You have to be careful using YOY growth at a certain timestamp point. This time last year (April 2nd) Trump crashed the market with his "liberation day" tariff presentation, so growth will look better than it really is if you use the low point from that absurd st show as your start point.
No that is the total growth over the time invested. It was back to zero last April when Trump killed itt show as your start point.asfault said:
130R said:
Good Plan Ted said:
Could I invest in a SP500 tracker this morning and make money on today s movements or is it all long term ie days to invest and days to sale means you lose profits.
I have AJ bell, HL, and II as platforms.
It's moved already pre-market and index fund buys execute at the end of the day at the earliest I believe. With a S&S ISA it can take a few days for a buy to go through in my experience (with Vanguard). In 10 years it will make little difference what day you bought on though.I have AJ bell, HL, and II as platforms.
As an example - This year buy order date 6th April completed on 7th April at 11:11am (all-world fund). Last year buy order date 6th April completed on 8th April at 9:34am (S&P 500)
Edited by 130R on Wednesday 8th April 09:16
Edited by 130R on Wednesday 8th April 10:58
Chicken Chaser said:
No that is the total growth over the time invested. It was back to zero last April when Trump killed it
8% aggregated growth over 3 years doesn’t sound brilliant but is that time or money weighted as presume you have been drip feeding in over the 3 years ?Last year was a pretty decent double digit year as was the preceding year assuming 1/1 to 1/1 of each year.
Trumps latest escapades have probably reduced my largest Pot to where it stood at 1/1/ 26 so down about 4%.
SkinnyPete said:
g4ry13 said:
SkinnyPete said:
SkinnyPete said:
Put £20k in Vanguard FTSE global all cap. Really can t be bothered to time the market.
Also I recently moved to the Freetrade app which is horrible to use so this stops me looking. The vanguard app was far prettier and I used to check far too often .
This landed at 9am this morning. I may have finally bought the dip for the first time.Also I recently moved to the Freetrade app which is horrible to use so this stops me looking. The vanguard app was far prettier and I used to check far too often .
I suppose it doesn t really matter in a long-term, but it s nice not to be buying at an all-time high for once.
Phooey said:
This is just a relief rally - if you're not in before it starts (yesterday in this case), be careful chasing it.
Agreed. Quite possibly a lot of euphoria today followed by a return to stark reality over the coming weeks. Nothing positive HAS happened, it looks to me just some very negative stuff that HASN'T happened - yet. The energy supply chain is nowhere near "business as usual" and even on the best outcome will take some while to get there. And even when there's "supply" there are going to be significant questions around "price". It's remarkable how resilient financial markets have been when you look at today's prices compared with 31/12/25 or even 28/02/26.
Chicken Chaser said:
No that is the total growth over the time invested. It was back to zero last April when Trump killed it
8% in 3 years is dogst, you'd get more in a 4% cash ISA.If you are 10 years out and have no plans to need the money in that period, you should be in a fund with higher risk but also higher growth potential.
Panamax said:
Phooey said:
This is just a relief rally - if you're not in before it starts (yesterday in this case), be careful chasing it.
Agreed. Quite possibly a lot of euphoria today followed by a return to stark reality over the coming weeks. Nothing positive HAS happened, it looks to me just some very negative stuff that HASN'T happened - yet. The energy supply chain is nowhere near "business as usual" and even on the best outcome will take some while to get there. And even when there's "supply" there are going to be significant questions around "price". It's remarkable how resilient financial markets have been when you look at today's prices compared with 31/12/25 or even 28/02/26.
On the other hand *if* Trump finds an "honourable" way out of his blunder within 2 weeks this could be yet another Trump dip, albeit a riskier one this time and we could see a commensurate momentum of the type we have seen right after his previous dips. All very euphoric and irrational and detached from reality of course...
732NM said:
8% in 3 years is dogst, you'd get more in a 4% cash ISA.
If you are 10 years out and have no plans to need the money in that period, you should be in a fund with higher risk but also higher growth potential.
Yeah I probably need to quantify that it's money not time, so theres been a regular uplift with the few top ups. It does sound like other platforms might have better options. Is trading 212 the recommended platform at the moment?t, you'd get more in a 4% cash ISA.If you are 10 years out and have no plans to need the money in that period, you should be in a fund with higher risk but also higher growth potential.
nickfrog said:
Panamax said:
Phooey said:
This is just a relief rally - if you're not in before it starts (yesterday in this case), be careful chasing it.
Agreed. Quite possibly a lot of euphoria today followed by a return to stark reality over the coming weeks. Nothing positive HAS happened, it looks to me just some very negative stuff that HASN'T happened - yet. The energy supply chain is nowhere near "business as usual" and even on the best outcome will take some while to get there. And even when there's "supply" there are going to be significant questions around "price". It's remarkable how resilient financial markets have been when you look at today's prices compared with 31/12/25 or even 28/02/26.
On the other hand *if* Trump finds an "honourable" way out of his blunder within 2 weeks this could be yet another Trump dip, albeit a riskier one this time and we could see a commensurate momentum of the type we have seen right after his previous dips. All very euphoric and irrational and detached from reality of course...
Inflation isn’t going away, it’s by design, huge debts and deficits rising, and cheap oil was kinda a canary in the coal mine of subdued global demand.
It’s still a battle of inflation trade on sticks or bond vigilantes returning.
Where do you actually get net growth and build wealth? I’d suggest s&p500 isn’t it on the basis AI has made it bubbly.
My 2p would be what sells well in a deflationary environment that governments are artificially firing up inflation within, and QE/low rates are no longer an option?
It’s still a battle of inflation trade on sticks or bond vigilantes returning.
Where do you actually get net growth and build wealth? I’d suggest s&p500 isn’t it on the basis AI has made it bubbly.
My 2p would be what sells well in a deflationary environment that governments are artificially firing up inflation within, and QE/low rates are no longer an option?
Tim Cognito said:
Will be interesting to see how many oil tankers brave the strait. Almost none that would have anyway I'd imagine. Can't imagine the insurance will be materially cheaper than 24hrs ago.
Well it’s been closed again as of about an hour ago it seems due to Israel’s continued bombing of Lebanon…..Gassing Station | Finance | Top of Page | What's New | My Stuff