Is it a good time to invest in a stock and equity ISA? ‘Investment loss unlikely’ | Personal finance | Finance

“However, there are many investment funds where the risk is spread over a range of different assets, making it unlikely that a considerable loss of investment will occur. As a general rule, you should not invest more than you can afford. allow you to lose.

So when is the right time to invest in a stock and equity ISA?

Mr Rogers said: “If a stock and equity ISA is appropriate, now may be the time to open an ISA.

“Global political and economic uncertainty is creating some volatility and markets are lower than at the start of the year, creating an opportunity for potential growth for long-term investors.”

What’s better for short-term savings?

Samuel Leach, Director of Samuel & Co Trading, told “ISA stocks and shares should be seen as a long-term investment, but if you are looking to save money in the short term with a view use it in a couple of years, your safest option is to opt for a cash ISA and fix it with a period of time that you are comfortable with.

“While right now you will lose money in real terms because inflation is so high, it is always better to keep the money in cash.

“It’s risk-free compared to investing in a stock and equity ISA, particularly when major stock markets are currently in a downtrend due to concerns about inflation and a possible recession. “

Advice for those looking to open an ISA stock and stock exchange

Think about the costs

When you start investing, look for funds with low ongoing charges (OCF) and providers with low management fees.

Ms Dagless said: “By keeping costs low, you will retain more of your returns on investment. When it comes to investing, costs are one of the few things you can control, so be sure to keep them as low as possible. »

Make a plan, and follow it

Choose funds that match your long-term goals, then sit back and try to disconnect from the market noise.

Ms Dagless said: “Clear goals can help you stay focused, especially when markets are temporarily in turmoil, but a solid plan and a low-cost, well-balanced portfolio can only realize their potential if you stick with it. their.”

Stay balanced

Think about how comfortable you are with investment risk.

Ms Dagless said: “Stock and bond prices naturally fluctuate, with some asset classes being more volatile than others.

“More risk usually comes with better opportunities for return, so you’ll have to decide for yourself: how much volatility can you accept without losing sleep?

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