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

[PeteTaylor99]

Blue_star said:

I moved my money from the investment fund. Fund is now 10% up

By the time i buy the dip it will be 50% up probably.

Edited by Blue_star on Thursday 7th May 08:06

Do you think this thread influenced your decision to do that?

[okgo]

Another reminder that you or anyone else apart from perhaps Trump knows nothing of when the best days in market will be. But you’ll know when you miss them.

[anonymous-user]

ooid said:

What we have seen last 6 months is a classic "Bear Trap".

Not if you are investing for the long term.

bear traps are for speculators not investors

[simon800]

Global Equities +6.5% YTD
UK Equities +6.2% YTD

Even the likes of L&G and Aberdeen's multi asset funds are + 5-7% depending on if it's the medium or higher risk variants

No second guessing or timing needed

[anonymous-user]

PeteTaylor99 said:

Blue_star said:

I moved my money from the investment fund. Fund is now 10% up

By the time i buy the dip it will be 50% up probably.

Edited by Blue_star on Thursday 7th May 08:06

Do you think this thread influenced your decision to do that?

Blue star or Blue Horseshoe?


As a long term investor not a short term speculator sorry for your loss but at the same time thank you for your contribution to my returns.

[ooid]

Inlineonline said:

ooid said:

What we have seen last 6 months is a classic "Bear Trap".

Not if you are investing for the long term.

bear traps are for speculators not investors

Thank you for the wise clarification. I may know a thing or two about the distinctions...

[chip*]

ooid said:

Thank you for the wise clarification. I may know a thing or two about the distinctions...

[Blue_star]

PeteTaylor99 said:

Blue_star said:

I moved my money from the investment fund. Fund is now 10% up

By the time i buy the dip it will be 50% up probably.

Edited by Blue_star on Thursday 7th May 08:06

Do you think this thread influenced your decision to do that?

Quite the opposite - made me wonder if I should do it so I delayed.

[Blue_star]

Inlineonline said:

PeteTaylor99 said:

Blue_star said:

I moved my money from the investment fund. Fund is now 10% up

By the time i buy the dip it will be 50% up probably.

Edited by Blue_star on Thursday 7th May 08:06

Do you think this thread influenced your decision to do that?

Blue star or Blue Horseshoe?


As a long term investor not a short term speculator sorry for your loss but at the same time thank you for your contribution to my returns.

Not quite sure I helped. Wouldn't more buyers contribute to your returns?

[Abc321]

I am a huge novice here but have tried to do the basics (diversify - diff countries, areas, etc) and ended up 30% up now, after starting in early June of last year. Plan was/is to keep dripping in monthly/quarterly to max ISA allowance each year until retirement age but I'm a little worried there is a bit of a bubble and this jump will drop!

Interested to see other peoples thoughts on this? Again, I am very much an amateur here.

[okgo]

Abc321 said:

I am a huge novice here but have tried to do the basics (diversify - diff countries, areas, etc) and ended up 30% up now, after starting in early June of last year. Plan was/is to keep dripping in monthly/quarterly to max ISA allowance each year until retirement age but I'm a little worried there is a bit of a bubble and this jump will drop!

Interested to see other peoples thoughts on this? Again, I am very much an amateur here.

If you re the amateur why do you think you suddenly can predict a bubble?

Nobody knows. All we can infer from decades of market data is that there will be peaks and troughs but so far the general trend has been upwards on a global basis.

[anonymous-user]

Abc321 said:

I am a huge novice here but have tried to do the basics (diversify - diff countries, areas, etc) and ended up 30% up now, after starting in early June of last year. Plan was/is to keep dripping in monthly/quarterly to max ISA allowance each year until retirement age but I'm a little worried there is a bit of a bubble and this jump will drop!

Interested to see other peoples thoughts on this? Again, I am very much an amateur here.

You are in perhaps the most vulnerable and dangerous position possible.

You rightly acknowledge you are an amateur, yet you have done extremely well.

This is the classic trap where people assume their returns are because they have a natural gift or strategy that means they are positioned well to beat the statistics.

It ain't so.

The only thing you did was to realise you should invest, and sensibly chose a diversified approach. In fact this is the only thing anyone has any control over so you have done exactly the right thing!

Many, many people who start investing during a bull run end up losing money due to the feelings of invulnerability that can occur in just such a situation. An initial success leads to euphoria and they then over-invest, start stock picking (because their success so far shows that they can do this unlike the crowd) and even borrow to invest


I would do the following:

1) recognise that your returns are due to luck, nothing more. Don't be tempted to invest money you might need within a couple of years into the markets and NEVER use borrowed money (leverage)

2) your talent was to recognise that you should put some money into stocks, and very sensibly you went for a diversified approach.You're already winning by realising this, many don't. This is a FANTASTIC start.

3) if you follow the first two points, then you will continue to drip feed money that you don't need for a 5-10 year period, continue to recognise that you don't have any ability to stock or fund pick probably, and above all EXPECT a fall of up to 40-50% in your capital at some point. When this happens you will hold and not panic sell.


DYOR and not individual advice but that's my approach. (ETA my garage shows how effective it is, all bought cash with profits )

Edited by anonymous-user on Thursday 7th May 11:10

[g4ry13]

I got fed up of sitting on some money in the ISA and put the rest into silver and some boring vanguard stuff this morning. Definitely doesn't feel like great timing but I've been sitting around watching the market move up.

Being a diverse investor, the cocoa business has been treating me well so far. Got into this a few weeks ago

[p1stonhead]

g4ry13 said:

I got fed up of sitting on some money in the ISA and put the rest into silver and some boring vanguard stuff this morning. Definitely doesn't feel like great timing but I've been sitting around watching the market move up.

Being a diverse investor, the cocoa business has been treating me well so far. Got into this a few weeks ago

If you’re going to brag, and only show winners, why have you hidden the values?

That could be 20%+ on a £5 investment for all we know

[PeteTaylor99]

Inlineonline said:

Abc321 said:

I am a huge novice here but have tried to do the basics (diversify - diff countries, areas, etc) and ended up 30% up now, after starting in early June of last year. Plan was/is to keep dripping in monthly/quarterly to max ISA allowance each year until retirement age but I'm a little worried there is a bit of a bubble and this jump will drop!

Interested to see other peoples thoughts on this? Again, I am very much an amateur here.

You are in perhaps the most vulnerable and dangerous position possible.

You rightly acknowledge you are an amateur, yet you have done extremely well.

This is the classic trap where people assume their returns are because they have a natural gift or strategy that means they are positioned well to beat the statistics.

It ain't so.

The only thing you did was to realise you should invest, and sensibly chose a diversified approach. In fact this is the only thing anyone has any control over so you have done exactly the right thing!

Many, many people who start investing during a bull run end up losing money due to the feelings of invulnerability that can occur in just such a situation. An initial success leads to euphoria and they then over-invest, start stock picking (because their success so far shows that they can do this unlike the crowd) and even borrow to invest


I would do the following:

1) recognise that your returns are due to luck, nothing more. Don't be tempted to invest money you might need within a couple of years into the markets and NEVER use borrowed money (leverage)

2) your talent was to recognise that you should put some money into stocks, and very sensibly you went for a diversified approach.You're already winning by realising this, many don't. This is a FANTASTIC start.

3) if you follow the first two points, then you will continue to drip feed money that you don't need for a 5-10 year period, continue to recognise that you don't have any ability to stock or fund pick probably, and above all EXPECT a fall of up to 40-50% in your capital at some point. When this happens you will hold and not panic sell.


DYOR and not individual advice but that's my approach. (ETA my garage shows how effective it is, all bought cash with profits )

Edited by Inlineonline on Thursday 7th May 11:10

Largely agree with all of that. Slight variation, initial euphoria leading them to buy bigger and bigger piles of Poo(AIM etc) and listening to complete strangers on forums, who are equally ill informed.

[Hustle_]

Abc321 said:

I am a huge novice here but have tried to do the basics (diversify - diff countries, areas, etc) and ended up 30% up now, after starting in early June of last year. Plan was/is to keep dripping in monthly/quarterly to max ISA allowance each year until retirement age but I'm a little worried there is a bit of a bubble and this jump will drop!

Interested to see other peoples thoughts on this? Again, I am very much an amateur here.

May I be the first to say, y'know, congrats, keep it up?

Your plan sounds good

Everyone's way too keen to prove how rich and clever they are on here

[g4ry13]

p1stonhead said:

g4ry13 said:

I got fed up of sitting on some money in the ISA and put the rest into silver and some boring vanguard stuff this morning. Definitely doesn't feel like great timing but I've been sitting around watching the market move up.

Being a diverse investor, the cocoa business has been treating me well so far. Got into this a few weeks ago

If you re going to brag, and only show winners, why have you hidden the values?

That could be 20%+ on a £5 investment for all we know

Because I don't want someone coming for my Kit Kats.

I hid the values for the same reason you don't post your bank account details online.

[okgo]

Hustle_ said:

May I be the first to say, y'know, congrats, keep it up?

Your plan sounds good

Everyone's way too keen to prove how rich and clever they are on here

They’re really not. They’re mostly keen to show how easy it is to fk it all up by thinking you’re clever.

[pingu393]

p1stonhead said:

g4ry13 said:

I got fed up of sitting on some money in the ISA and put the rest into silver and some boring vanguard stuff this morning. Definitely doesn't feel like great timing but I've been sitting around watching the market move up.

Being a diverse investor, the cocoa business has been treating me well so far. Got into this a few weeks ago

If you re going to brag, and only show winners, why have you hidden the values?

That could be 20%+ on a £5 investment for all we know

My investments grew by £2k yesterday - on an investment of....











£300M

[T697JVS]

g4ry13 said:

p1stonhead said:

g4ry13 said:

I got fed up of sitting on some money in the ISA and put the rest into silver and some boring vanguard stuff this morning. Definitely doesn't feel like great timing but I've been sitting around watching the market move up.

Being a diverse investor, the cocoa business has been treating me well so far. Got into this a few weeks ago

If you re going to brag, and only show winners, why have you hidden the values?

That could be 20%+ on a £5 investment for all we know

Because I don't want someone coming for my Kit Kats.

I hid the values for the same reason you don't post your bank account details online.

Completely different from posting bank accounts details online.