Next years investment plans?
Discussion
seriously ..... not buying even more like last year as the downslide really took off ~5 Jan . This year I seriously think its.....a deposit on another 911 and scrape together the ISA allowance again. I'll likely relent and just buy same portion of what I have in my ISA again but spread over a few months for a change .
Anyone else sick and tired of always being prudent with "disposable" money ?
Anyone else sick and tired of always being prudent with "disposable" money ?
PM3 said:
seriously ..... not buying even more like last year as the downslide really took off ~5 Jan . This year I seriously think its.....a deposit on another 911 and scrape together the ISA allowance again. I'll likely relent and just buy same portion of what I have in my ISA again but spread over a few months for a change .
Anyone else sick and tired of always being prudent with "disposable" money ?
Yup. 675lt spiders are basically a big ISA, right?Anyone else sick and tired of always being prudent with "disposable" money ?
We are still making lower highs. I think if the S&P breaches 3580 we are in for a rough Q1!!
Personally my gut feeling is
Q1.. more see-sawing. Some opportunities.
Q2... bottom out, possibly after a 30% dip.
Q3.. big rebound on fed pivot. Smart money back in.
Q4... another slide but not into a new low.
Personally my gut feeling is
Q1.. more see-sawing. Some opportunities.
Q2... bottom out, possibly after a 30% dip.
Q3.. big rebound on fed pivot. Smart money back in.
Q4... another slide but not into a new low.
Have both ISA allowances ready to go, tempting to just wait for what looks a bit low and dump the lot in. I did the same 3 years back and by luck that investment has kept the collective years that followed in a much better shape overall.
My main investigation will be around taxable investments really, don’t want to hold more cash but moving from the total ease of ISA to GIA with all the tax elements does put me off a bit.
In a way I almost wish I had a mortgage with a higher rate, would make life simple in that overpaying would be a no brainier.
My main investigation will be around taxable investments really, don’t want to hold more cash but moving from the total ease of ISA to GIA with all the tax elements does put me off a bit.
In a way I almost wish I had a mortgage with a higher rate, would make life simple in that overpaying would be a no brainier.
Have pretty much stopped playing around with the individual stocks.
Now putting more into my SIPP, and keeping up the pound cost averaging each month into mostly Vanguard funds.
But also trying to build up a bit of a cash in case of redundancy, maybe to buy my car at the end of it's lease, and / or take advantage of a proper crash in the stock markets where I could just go all in.
I think a lot of things may become clearer this year, ie:- where inflation / interest rates will go, how bad the recession will be, supply chain issues, and maybe a resolution to the war in Ukraine.
Now putting more into my SIPP, and keeping up the pound cost averaging each month into mostly Vanguard funds.
But also trying to build up a bit of a cash in case of redundancy, maybe to buy my car at the end of it's lease, and / or take advantage of a proper crash in the stock markets where I could just go all in.
I think a lot of things may become clearer this year, ie:- where inflation / interest rates will go, how bad the recession will be, supply chain issues, and maybe a resolution to the war in Ukraine.
Edited by BlackG7R on Saturday 24th December 15:38
I have a Vanguard S&SISA, am also considering switching to a drip-fed approach, maybe £10k lump upfront and the rest spread over the year.
Currently in FTSE Global All CAP as my only fund but been mulling whether now is a good time to switch back to VLS, the thought process here is that over-weighting the UK allocation might not be a bad idea based on where we are at present....or maybe and more likely I have no idea how that will work out......
Not many other changes, SIPP/LISA is all in VEVE/HMWO and may switch work pension funds to fully passive but will wait till it's at a reasonable size before chopping and changing.
Currently in FTSE Global All CAP as my only fund but been mulling whether now is a good time to switch back to VLS, the thought process here is that over-weighting the UK allocation might not be a bad idea based on where we are at present....or maybe and more likely I have no idea how that will work out......
Not many other changes, SIPP/LISA is all in VEVE/HMWO and may switch work pension funds to fully passive but will wait till it's at a reasonable size before chopping and changing.
No change to the plan. Invest into cheap index trackers across both my ISA and pension.
I do need to do more research into what my withdrawal methodology will be and how I will partially diversify into less volatile assets by then (currently planning on a 3 bucket method), but that’s 15 years away so no hurry there.
I do need to do more research into what my withdrawal methodology will be and how I will partially diversify into less volatile assets by then (currently planning on a 3 bucket method), but that’s 15 years away so no hurry there.
Derek Chevalier said:
I'd suggest the smart money wouldn't be attempting to market time.
Look up David Tepper’s recent interviews and I think you’ll find him and many others do actually time the market. Clearly timing the market is both relative and not exact but within a range of price and time.
Anyone active who is fully invested now in the US market is actually going against the grain
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