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August 31, 2026
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Interested, I have a lot saved going into FT, but I am all cash for now and frankly scared to throw it all in an index at these levels. Yea blah blah I know everything about how the timing is irrelevant and all that over the long-run but I rather not have to be forced to lock it all away for decades if a downturn did occur as your choice at that point would best be to not actually sell for any losses there and wait.
What about dollar cost averaging into an index fund over the next few weeks/months? Statistically its better to dump it all at once as early as possible, but dollar cost averaging could help psychologically when the market is up so much.
Eh, not sure that will help much. The psychological part isn't much of an issue as is the actual reality of dumping everything I have (not insignificant amount) into the index before a major correction. If things begin to tank I have no issue in averaging in even if it falls further, but not while this trend continues. You're stuck for at minimum a decade if things go south and your averaging in here in my opinion. The regulations are really just screwing young people from building a strong financial foundation by having so many restrictions on single name equities, holding periods, and all that
If you're worried about downturns look into using options as a hedge. There are some brokerage platforms accessable in the UK that will allow that. You will need clearance from your bank to trade options but from what I have seen they are generally comfortable with it.
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