Markets or cash 2024?
Discussion
My ISA ( mix of bonds and equities) has been running about 4% this year.
I've some bonds maturing at the end of this year. Not sure if I should use some to top the isa up, or just look for another 12 month fixed deal + cash ISA?
It feels like 6 of one 1/2 a dozen of the other.
I've some bonds maturing at the end of this year. Not sure if I should use some to top the isa up, or just look for another 12 month fixed deal + cash ISA?
It feels like 6 of one 1/2 a dozen of the other.
Edited by PositronicRay on Saturday 16th December 12:21
Who knows. Diversity is key, you could split some between the markets and some cash. I'm blindly putting £400/month into a Vanguard S&S ISA, £150 into company scheme. Remaining cash £500-£1000 into premium bonds currently. But I'm allocating the cash in PB's to paying a lump off the mortgage in 4.5 years. Hopefully won't be touching the money in the markets for a while!
I sold a load last week, mainly not to derail taking a 25% lump sum from a pot next month. It might carry on going up but I just don’t trust it in the short term. The US particularly seems toppy to me. It’s not like there’s zero return on cash now, north of 5% is straightforward. Don’t think I’ll be in any rush to reinvest, can’t see IR’s tumbling, too much of an inflation risk.
We have £160k in Vanguard up 8.6% YTD but I haven't contributed since last March.
My wife hasn't long received an Inheritance and that went in NS&I @6% and santander at 5%.
I feel a bit reticent to take that cash out at such good guaranteed rates but the markets have risen recently. Head says stick but heart says keep adding to the S&S ISA.
My wife hasn't long received an Inheritance and that went in NS&I @6% and santander at 5%.
I feel a bit reticent to take that cash out at such good guaranteed rates but the markets have risen recently. Head says stick but heart says keep adding to the S&S ISA.
It's hard isn't it? My pension fund (£250k ish) is currently in a growth AVIVA fund, S7, meaning about 37.5% of stocks are invested in North America - I'm a bit concerned its overweight given where the S&P is at... hards to know how much to trust their fund managers! Still, only 38 so not due to retire for a while.
DT1975 said:
We have £160k in Vanguard up 8.6% YTD but I haven't contributed since last March.
My wife hasn't long received an Inheritance and that went in NS&I @6% and santander at 5%.
I feel a bit reticent to take that cash out at such good guaranteed rates but the markets have risen recently. Head says stick but heart says keep adding to the S&S ISA.
Why does it have to be all or nothing ?My wife hasn't long received an Inheritance and that went in NS&I @6% and santander at 5%.
I feel a bit reticent to take that cash out at such good guaranteed rates but the markets have risen recently. Head says stick but heart says keep adding to the S&S ISA.
Why not just put 50% in stocks and leave the rest in cash .
Worth bearing in mind a years nothing in the stock market , you really need to leave it in there for decades to ride the peaks and troughs .
Slowboathome said:
My 60/40 multi-asset pot has flatlined for ages but gone up like a rocket in the last few weeks.
I never have any idea what is going on in the market and simply trust that over the long term it will outperform cash.
Likely it's the bond funds recovering as interest rates are forecast to fall (probably very slowly).I never have any idea what is going on in the market and simply trust that over the long term it will outperform cash.
egor110 said:
Why does it have to be all or nothing ?
Why not just put 50% in stocks and leave the rest in cash .
Worth bearing in mind a years nothing in the stock market , you really need to leave it in there for decades to ride the peaks and troughs .
The Vanguard ISA's been in a few years riding the latest storms . To be fair she only got the money a few months ago so seemed a decent place to deposit it until we decide. Reference decades, we're both retired mid/late 50s and intend to spend it before we get too old which is starting now. So in our case something that's earning something semi decent as we enjoy it. I fully understand it would be a different scenario for someone in their 30's. Why not just put 50% in stocks and leave the rest in cash .
Worth bearing in mind a years nothing in the stock market , you really need to leave it in there for decades to ride the peaks and troughs .
Pheo said:
It's hard isn't it? My pension fund (£250k ish) is currently in a growth AVIVA fund, S7, meaning about 37.5% of stocks are invested in North America - I'm a bit concerned its overweight given where the S&P is at... hards to know how much to trust their fund managers! Still, only 38 so not due to retire for a while.
That’s significantly underweight US compared to a global index. HL ran an article in the last mag, featured a Mr Buffett (not Jimmy), and went along the lines of "never bet against the US market".
Wife has a 25% pension lump sum arriving shortly but she's seriously averse to and stock market funds, unlike me. Told her she needs to do some serious research but not sure that'll happen from experience. Dog food, air fryers yes, financial matters no.
Wife has a 25% pension lump sum arriving shortly but she's seriously averse to and stock market funds, unlike me. Told her she needs to do some serious research but not sure that'll happen from experience. Dog food, air fryers yes, financial matters no.
Skyedriver said:
HL ran an article in the last mag, featured a Mr Buffett (not Jimmy), and went along the lines of "never bet against the US market".
Wife has a 25% pension lump sum arriving shortly but she's seriously averse to and stock market funds, unlike me. Told her she needs to do some serious research but not sure that'll happen from experience. Dog food, air fryers yes, financial matters no.
We lived off Mrs PRs lump sum, probably 5 yrs or so. Wife has a 25% pension lump sum arriving shortly but she's seriously averse to and stock market funds, unlike me. Told her she needs to do some serious research but not sure that'll happen from experience. Dog food, air fryers yes, financial matters no.
Skyedriver said:
HL ran an article in the last mag, featured a Mr Buffett (not Jimmy), and went along the lines of "never bet against the US market".
That's a good way to look at the problem. I do something similar and remind myself that the "gamble" that I am actually making is on the overall success / growth of the global economy with roughly a 60% weighting towards the US. Which if you think about it is not that much of a gamble.i.e. Rather than try and pick individual stocks, the question really is - do I think that the world and in particular the US is going to be bigger and better in 10 years time than it is today, if the answer is yes (which it is), then just keep on investing in the index.....
NickZ24 said:
When markets crash only the shortsellers make money.
Portfilio holders are bound to loose, specially when the sell in panic.
You wish something save, go into Gold. long term even Land.
So don't sell .Portfilio holders are bound to loose, specially when the sell in panic.
You wish something save, go into Gold. long term even Land.
If there's a crash either keep buying what you normally do per month or increase it and buy more stocks for less money.
Skyedriver said:
HL ran an article in the last mag, featured a Mr Buffett (not Jimmy), and went along the lines of "never bet against the US market".
Wife has a 25% pension lump sum arriving shortly but she's seriously averse to and stock market funds, unlike me. Told her she needs to do some serious research but not sure that'll happen from experience. Dog food, air fryers yes, financial matters no.
To be honest, if HL ran an article saying "buy gold", I'd immediately go short ... Wife has a 25% pension lump sum arriving shortly but she's seriously averse to and stock market funds, unlike me. Told her she needs to do some serious research but not sure that'll happen from experience. Dog food, air fryers yes, financial matters no.
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