Investments, stocks, shares

[FoxesWalk]

12 hours ago, CheeseHead said:

 

You can't time the bottom so I would think DCA-ing into it over the next few weeks/months is the best option.

 

Surely by the time of the mid-terms something has to have changed. He's boasted before how good the stock market was in his first term. Can't imagine he'd want his final term to be marked by a deep recession. At least I think this will be his final term!

Yeah I don’t think it’ll go well for him in the mid terms if he hasn’t rowed by back then. Agree with DCA approach, is what I’ll be doing. 

[Mike Oxlong]

12 hours ago, Paninistickers said:

How do you 'dca' it? 

https://www.investopedia.com/terms/d/dollarcostaveraging.asp

[Paninistickers]

3 hours ago, Mike Oxlong said:

https://www.investopedia.com/terms/d/dollarcostaveraging.asp

So basically what you do with a regular pension contribution?

[Mike Oxlong]

23 minutes ago, Paninistickers said:

So basically what you do with a regular pension contribution?

I'm not the best person to ask that question 

 

Ive paid into a money purchase scheme for years and it's worth jack-shit

[Grebfromgrebland]

1 hour ago, Paninistickers said:

So basically what you do with a regular pension contribution?

Yes

[Raj]

The slumps continue....

[st albans fox]

Euro markets now down around 7.5% YTD

 

a lot more on the last month (Denmark down 27% YTD!!!!!)

[Free Falling Foxes]

I placed a modest £5k into an investment portfolio 2 years ago.

At it's peak, it reached £5600

Currently, it's standing at £5200. Most of that drop has happened in the last week.

The company managing my portfolio also take a fee, therefore reducing that amount slightly more.

 

If I had placed it in an ISA that my local building society was offering at the time, I would now have £5400 and no fees.

 

I'm aware of the ups and downs of markets but, perhaps, my figures above may inform other 'novices' like me, and are thinking of dabbling in stock markets, of the actual affect on your money.

 

[Grebfromgrebland]

14 minutes ago, Free Falling Foxes said:

I placed a modest £5k into an investment portfolio 2 years ago.

At it's peak, it reached £5600

Currently, it's standing at £5200. Most of that drop has happened in the last week.

The company managing my portfolio also take a fee, therefore reducing that amount slightly more.

 

If I had placed it in an ISA that my local building society was offering at the time, I would now have £5400 and no fees.

 

I'm aware of the ups and downs of markets but, perhaps, my figures above may inform other 'novices' like me, and are thinking of dabbling in stock markets, of the actual affect on your money.

 

User name checks out

Edited 7 April by Grebfromgrebland

[JonnyBoy]

For someone who has zero knowledge on trading, should I wait a few days to see if the markets keep falling to then invest some money? Maybe just chuck a lump into the FTSE 100? Can do this with vanguard for example? Any other suggestions in layman’s terms for someone who has no knowledge on this subject. Thanks 

[Lako42]

55 minutes ago, Free Falling Foxes said:

I placed a modest £5k into an investment portfolio 2 years ago.

At it's peak, it reached £5600

Currently, it's standing at £5200. Most of that drop has happened in the last week.

The company managing my portfolio also take a fee, therefore reducing that amount slightly more.

 

If I had placed it in an ISA that my local building society was offering at the time, I would now have £5400 and no fees.

 

I'm aware of the ups and downs of markets but, perhaps, my figures above may inform other 'novices' like me, and are thinking of dabbling in stock markets, of the actual affect on your money.

 

2 years is not a long investment period. 

 

Drip feeding in some more every month would have a bigger impact. 

[Lako42]

21 minutes ago, JonnyBoy said:

For someone who has zero knowledge on trading, should I wait a few days to see if the markets keep falling to then invest some money? Maybe just chuck a lump into the FTSE 100? Can do this with vanguard for example? Any other suggestions in layman’s terms for someone who has no knowledge on this subject. Thanks 

I wouldn't try and time the market. 

 

Invest regularly and take advantage of dollar cost average. 

 

 

[grobyfox1990]

1 hour ago, Free Falling Foxes said:

I placed a modest £5k into an investment portfolio 2 years ago.

At it's peak, it reached £5600

Currently, it's standing at £5200. Most of that drop has happened in the last week.

The company managing my portfolio also take a fee, therefore reducing that amount slightly more.

 

If I had placed it in an ISA that my local building society was offering at the time, I would now have £5400 and no fees.

 

I'm aware of the ups and downs of markets but, perhaps, my figures above may inform other 'novices' like me, and are thinking of dabbling in stock markets, of the actual affect on your money.

 

2 years is nothing. If you're going down that route the best investment by far is overpaying your mtg. 

[dsr-burnley]

I checked mine over the weekend and it's up several thousand pounds over the last year.  Either I have a genius pension company or else I have failed to take the short term view!  

[Grebfromgrebland]

3 hours ago, Lako42 said:

I wouldn't try and time the market. 

 

Invest regularly and take advantage of dollar cost average. 

 

 

Pound cost averaging FFS

[Bellend Sebastian]

If you're not prepared to take a five year view then you shouldn't be investing unless you are willing to look at it as very much a punt.

 

I refuse to repost myself but I posted a link a couple of days ago about a guide to managing investment volatility and for anyone unsure of what they're doing/what to do that's well worth a read.

 

I agree with Lako42, don't try and time the market, try and understand it and be in it and accept what that entails

[Grebfromgrebland]

2 hours ago, dsr-burnley said:

I checked mine over the weekend and it's up several thousand pounds over the last year.  Either I have a genius pension company or else I have failed to take the short term view!  

You need to check it today 

[Bellend Sebastian]

Nice lady: Who told you this?

Nice lady's partner: A bloke on the internet called Bellend Sebastian

Nice lady: Well at least it's a vaguely clever play on words but surely that joke wore thin at least 20 years ago

[Dahnsouff]

3 hours ago, grobyfox1990 said:

2 years is nothing. If you're going down that route the best investment by far is overpaying your mtg. 

We were lucky, managed to pay off our 20 year mtg 5 years early. Best thing we did. Overpay when you can.

[izzymuzzet]

The beatings will continue until morale improves.

[Stadt]

8 minutes ago, Bellend Sebastian said:

Nice lady: Who told you this?

Nice lady's partner: A bloke on the internet called Bellend Sebastian

Nice lady: Well at least it's a vaguely clever play on words but surely that joke wore thin at least 20 years ago

I'd probably been looking at this forum for 8 or 9 years before the pun dawned on me one day  

[Bellend Sebastian]

3 minutes ago, Stadt said:

I'd probably been looking at this forum for 8 or 9 years before the pun dawned on me one day  

In fairness I have claimed at various points that it is my actual name

[grobyfox1990]

16 minutes ago, Bellend Sebastian said:

If you're not prepared to take a five year view then you shouldn't be investing unless you are willing to look at it as very much a punt.

 

I refuse to repost myself but I posted a link a couple of days ago about a guide to managing investment volatility and for anyone unsure of what they're doing/what to do that's well worth a read.

 

I agree with Lako42, don't try and time the market, try and understand it and be in it and accept what that entails

Unless you have black edge you are not going to 'understand' the market. So get some black edge or accept we are wedded to a capitalist system, so you will more than likely always end up with a risk premium over the long term if you do invest. Which over a 10-year ish period every decent global ETF will have left you with a very healthy risk premium.

[Ian Nacho]

It's about time in the market not timing the market. 

 

You can get unfortunate with when you enter the market but if you're in it for the long run you will earn money. 

[Bellend Sebastian]

8 minutes ago, grobyfox1990 said:

Unless you have black edge you are not going to 'understand' the market. So get some black edge or accept we are wedded to a capitalist system, so you will more than likely always end up with a risk premium over the long term if you do invest. Which over a 10-year ish period every decent global ETF will have left you with a very healthy risk premium.

Don't take my use of "understanding" to mean "able to predict".

 

I like to think I've got a pretty good understanding of what my wife is about after 16 years but I'm f***ed if I know what she's going to do from one minute to the next