{"id":19823,"date":"2019-11-20T12:27:50","date_gmt":"2019-11-20T12:27:50","guid":{"rendered":"https:\/\/smh.group\/?p=19823"},"modified":"2023-02-15T13:39:17","modified_gmt":"2023-02-15T13:39:17","slug":"one-step-at-a-time-investing-slowly","status":"publish","type":"post","link":"https:\/\/devstagesite.co.uk\/smhgroup\/one-step-at-a-time-investing-slowly\/","title":{"rendered":"One step at a time \u2013 investing slowly"},"content":{"rendered":"\n

Are you reluctant to make a lump sum investment<\/a><\/span> in case the timing is wrong? <\/strong><\/p>\n\n\n\n

It\u2019s been both a rollercoaster and a trip to nowhere for the FTSE 100\nindex in recent years. The fluctuations can be seen in the graph above showing the\nperformance of the top 100 companies listed on the London Stock Exchange since\n2017. <\/p>\n\n\n\n

From 1 January 2017 to date, the index has moved in a band of about\n1,300 points, but by 23 October 2019 it was at virtually the same level as it\nstarted. Busy going nowhere might be one description, although, importantly,\nthat ignores the dividend income which the companies in the Index would have\ngenerated over the period. This boosted investors\u2019 total returns over the\nperiod from 1.7% to 14.7%. <\/p>\n\n\n\n

The combination of the market\u2019s movements and political uncertainties\nhave made some people reluctant to invest lump sums. \u201cNow is not the time to\nbuy,\u201d has been an understandably tempting thought. However, to paraphrase one\nof America\u2019s most famous fund managers Peter Lynch, more money has been lost by\ninvestors waiting for market falls than has been lost in the falls themselves. <\/strong>The hard truth is that anticipating market timing is virtually\nimpossible.<\/p>\n\n\n\n

Phased investing<\/strong><\/h2>\n\n\n\n

One halfway house that is\nworth considering if you have a lump sum to invest, but still cannot bring\nyourself to commit it all at once, is phased investment. This involves\ninvesting capital systematically over a relatively short period. A typical\napproach might be to spread investment over 12 months, with equal amounts\ninvested each month. Because you buy more when the price is low and vice versa,\nthe mathematical result is that the average price of your <\/em>investment is lower than the\nsimple average of the prices at your 12 investment dates. The effect is known\nas pound-cost averaging and is mostly thought of in terms of regular savings\nplans rather than phased lump sum investments.<\/p>\n\n\n\n

Many investment platforms will run the process automatically, transferring money from a cash account or cash funds to your chosen investment funds every month. However, the various platforms have differing rules, with some being more flexible than others. The easiest way to find the one most suited to your goals is to seek independent advice. No less than Warren Buffet has said \u201cThe stock market is a device to transfer money from the impatient to the patient.\u201d \u00a0<\/strong>If you\u2019re prepared to be patient, you can harness your hesitancy to your advantage.<\/p>\n\n\n\n

To discuss your personal investment strategy<\/a><\/span><\/strong> with one of our Chartered Financial Planners<\/a><\/span><\/strong> drop us a line on 0114 266 4432 or info@smhca.co.uk<\/a><\/span><\/strong><\/p>\n\n\n\n

The value of your\ninvestment can go down as well as up and you may not get back the full amount\nyou invested. Past performance is not a reliable indicator of future\nperformance.<\/em> <\/em> Investing in shares should be regarded as a\nlong-term investment and should fit in with your overall attitude to risk and\nfinancial circumstances.<\/em><\/em><\/h6>\n","protected":false},"excerpt":{"rendered":"

Are you reluctant to make a lump sum investment in case the timing is wrong? <\/p>\n","protected":false},"author":4,"featured_media":19824,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[16],"tags":[77,414,97,386,415,390],"class_list":["post-19823","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-services","tag-financial-planning","tag-ftse-100","tag-investments","tag-personal-investment-strategy","tag-phased-investing","tag-stock-exchange"],"acf":[],"yoast_head":"\nOne step at a time \u2013 investing slowly - SMH Group<\/title>\n<meta name=\"description\" content=\"Are you reluctant to make a lump sum investment in case the timing is wrong?\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"One step at a time \u2013 investing slowly - 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