-
Unless you are talking a fuck tonne of money which would increase your exposure to stock market risk significantly (nice problem to have!) or a really short investment window I would just chuck it all in now and forget about it.
Inflation will eat a load of it whilst you keep it in cash anyway.
Nom nom nom that's the sound of you getting poorer
Dripping a chunk of it in over a period of months makes some sense, trouble with that is it's hard to tell how many months / years you need to span to make the reduction in risk worth the reward and erosion due to inflation.
If it really troubles you then take it out and pay down some debt if you have any.
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.