When investing £20,000 in a stocks and shares ISA, is it best to just do so in one hit or to drip feed to £20K over the year?

28 Feb, 2022

Question by Mary

Answered by Bodie Dove

Hi Mary

Thank you for your question.

Making a regular contribution to a Stocks and shares ISA can provide you with some protection against potential falls in the value of your investment, for example a 10% fall on a £1,000 investment is significantly lower than a 10% fall if you invested £20,000 in one go. However the same can be said for limiting potential gains on your investments.

Really the decision will come down to the level of risk you are prepared to except and how likely you are to require access to your invested funds short term. Most investments are medium to long term and require time to generate the returns that clients desire, investing is more about time in the market than market timing, history shows that over time investments go up.

I hope that this helps, please do not hesitate to contact me for any further assistance, bodie.dove@sjpp.co.uk or 07507443388

Answered by

Bodie Dove

Chartered Financial Planner

I’ve always enjoyed problem solving and I take a personal approach to finding solutions that provide a genuine, positive change to my clients. I am passionate about attaining the best approach to help each client understand and then take control of their finances so that they can create a plan to fund their future goals. I like to think of myself as the satnav helping them to get from point A to Z on their financial journey.

The Financial services industry is a very daunting area for a lot of people and it’s my job as an adviser to tailor my advice and make it easy to understand for every client. I also currently run financial education workshops in local schools to help the next generation to better understand financial matters and breakdown some of the jargon.

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