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skinny
cjr
I'm doing a bit of a rejig of my savings and wanted the hive mind's thoughts.
I have a Vanguard SIPP which I will keep contributing to.
I also have a good amount of money in cash ISA, but no S&S ISA.
I was planning on keeping enough readily available cash and transferring the rest of my ISA money into a Vanguard S&S ISA invested in a LifeStrategy Fund.
In my head it makes sense to do the transfer now but keep the money in cash (or bonds?) and then wait for the market to drop before switching to a life strategy fund.
I know that time in the market etc, but in my mind, sticking all my money in right now would be a pretty stupid idea. As it stands I'm getting next to no interest in the cash ISA and since the transfer might take a while I wanted to do it now so it's ready to go when I need.