Finally realised that it’s just sitting in my low interest account getting bled out by inflation and I want to do something about it by investing most of it an index fund (within an ISA), but is this the wrong time to buy in?Most of the recent growth in the S&P500 and even the VWRL index fund has been driven the magnificent 7 and their speculative AI bubble, if I invest now and the bubble pops in a year, how long could it likely take for my investment to break even again? Could it be possible that the AI burst kills stock market growth for the next decade like the dot com bubble did? Wondering if it’s more sensible to place the money in a cash ISA or to invest in commodities instead (but not BTC, as that could dive along with AI stocks and never recover)
>>61565917Here is my 4 fund portfolio.If you're holding for a long period (i.e. more than 5 years), then timing doesn't really matter. If you're concerned, just do 5k per month over 10m.
>>61565945Are these all indexes apart from the gold? I’ve also been looking at ETFs but I’ve been told indexes are better for long term investment which is what I’m looking at
For me, VWRP in my ISA, VAFTGAG in my SIPP.I have considered others like FWRG but ultimately I don't care and I didn't like the spread for regular buys, as I like to chuck in any spare money I have at any given point.I personally fill my SIPP before my ISA because of the tax relief is still an underrated boost to your investment.If the market goes bang which it will do eventually as that's the nature of it, the most important thing to do will be to keep regularly buying. People will tell you it took 13 years to recover from 2000 dot com crash, they are spastics who can only look peak to peak on a chart. That scenario is if you went all in at the absolute top and never bought another unit afterwards. Same in 2008, if you kept buying you were back in profit in no time.
>>61565981ETFs and Mutual Funds can both be indexes OP, they can also both NOT be indexes. It depends on the fund, you need to read what it actually does in the summary or Prospectus.In any case, don't worry about whether it's going up or down. If you're afraid of the market dropping in 2026 then just DCA instead of putting all your cash in as a lump-sum.Just spread it out. Put like 50% in an S&P 500 Index fund, 20% in an International Fund excluding the USA. The other 30% you can focus on more value focused funds and a gold fund (miners or physical bullion). You shouldn't hold any cash or bonds, they're completely useless funds at a young age. If you want dry powder for buying dips, have a maximum of 5% cash in a Money Market Fund, no bonds.You should have a 6 month to 1 year emergency cash allocation in your bank account before investing, just to cover things like an accident, losing employment, etc.
>>61565917No its about the right time, nigger. The best you can hope for is an early crash in your investment career, because now you have not much to lose and can easily dig your way out of the hole by buying the dips. Crash one or two year later like in my investment career is a little bit harder to stomach but still doable. Stop asking, just do it, take responsibility over your life and start acting.
>>61565917Put in 1500 a week and you'll be alright
Thank you all for the helpful advice>>61566096>People will tell you it took 13 years to recover from 2000 dot com crash, they are spastics who can only look peak to peak on a chartI was worried about buying in at or near the peak and being at a loss for years, but as others have said I can DCA to reduce the impact of this
