Investment & Investing

That's all part of risk aversion. Those are all real world possible scenarios.
Some people are happy to chance it some not.

I am not at all wealthy but I have a stocks and shares isa, I rang up on Tuesday, a long time ago now, and they said 6 months growth gone in the last week. I should imagine that has doubled now but I think I’m going to leave it. I have a longish term outlook, or at least I am prepared to go long, and the account is 10 years old. It’s done ok so far. Any opinions? I also am gambling 20£ on trading 212, mostly out of curiosity. You look at shares that have tumbled and think, good time to buy, but some of the stocks that are old show you how low things can go. Unilever being an interesting case in point

fed cuts rates to 0-0.25% plus 700bn qe
in a collaborative effort by central banks

Its gonna be an interesting week ahead. Brace yourselves.

Fuck.me.

Another nose dive this morning on the ftse 100 of over 5%, almost hit 5000

LOLz at everyone who jumped in when it was 'cheap'.

Any opinions?

1. Work out your investment horizon - ie when you need to cash out.
   
2. Work out how much £ you would need in a bind - loss of income, etc.
   
3. Plan based on the answers of above.
   
   

Case in point, I put some money in an index linked S&S ISA in Feb for Mini-H. It's tanked. I'm assuming it won't need to be touched for a min of 15yrs, so right now no action is needed.

I do wonder though if this is the time when actively managed funds come into their own. Trackers as pretty blunt whereas a fund with a decent FM would be looking to see what is vfm or even cheap.

So in a managed s+s isa they are buying and selling shares and changing what they buy according to the market? I was - perhaps stupidly- assuming you bought into to a package of investments in shares that remained fixed. It is good to know, even if it has tanked recently there is someone busy trying to steer the ship through the icebox. I wish I had bought gold in 2012 when I first heard max kaiser recommend it.

They were cheap...just cheaper still now!
As long its a long term investment.

whereas a fund with a decent FM would be looking to see what is vfm or even cheap.

In theory.

However, active funds in aggregate don't outperform the market, they just charge more in fees.

not a great time for 1/3 of your pay to be in US tech giant stock 😬

So with the world markets crashing, I'm looking into an ISA for this year. Might as well start investing with my money while i still have a job so i got some experience for when i dont.

What options do i have for a stock ISA with the lowest transaction/investment fees? Best return Cash ISA?

When will the market stop crashing? Mostly for @TW

You wouldn't be able to touch it anyway so aren't you effectively getting more for your money now?

i normally sell on vest, so may and august are looking unlikely to be back to my grant price ~210 for some of this years

Yeah you're going to have to sit on it a while longer but you'll get more in the long run.

For low fees look at vanguard.

Stick some into a ftse 100 tracker end of this week/next week and forget about for 20 years and you should do ok

This is essentially my approach, and a lifestrategy fund. Even though I'm leaving it for 20 odd years it's still pretty sobering seeing it down 20%.

For both stocks and cash?

SIPPs?

Just sayin...

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Beware of misleading graphs, that said it's a decent company tbh

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Meh, not much point having a cash ISA IMO,

But vanguard have a good range of their own funds and charges are some of the lowest available in the market.

It's up to £20k this year for personal investment under an ISA

I opened a Plum S&S ISA as an experiment a few months ago. It makes automatic deposits based on my bank balance. Obviously it's just tanked and I paused any further deposits 2 weeks ago. But thinking about it, should I continue with the deposits?

But thinking about it, should I continue with the deposits?

Yes, as long as you can afford them and can afford to lose the money. Recognise you are taking a - reasonably safe - bet on things recovering. Although the timescale for recovery could vary somewhat.

And if things do not recover you’ll have worse problems to worry about.

Yeah exactly my thoughts. The deposits are pretty small anyway (you can tell Plums AI how aggressive/reserved to be). As it was experiment I'm happy to play the long game with it.