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  • Unless you are using an ISA as the equiv of a pension and need to max it out every year I wouldn't let that sway the decision too far. Tax free advantages on smallish amounts aren't too compelling.

    I have a similar 'problem' - big wodge of cash but don't want to lump it all in at the top. So thinking at the moment of dripping a chunk every month.

  • Yeah ISA cap probably isn't the most critical part, but if it's too rate if not in the ISA I could see the advantage...

    It's the same concern I had though, what if this is the top! Valuations look huge at the moment. But @dt thanks for the article - weirdly it seems to conclude that the single punt is more likely to be successful but steers towards the drip feed anyway

  • Yeah, basically lump sum has been best most of the time, but if you're the type of person to shit the bed if you see your lump sum lose a third the day after you put it in, then drip feeding may be better for the mind

    *I'm drip feeding at the moment

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