I'm wondering whether to use some of my isa allowance for retirement funds or whether is should just deposit cash (that earns interest).
Vanguard offer a target retirement 2050 which looks to be quite risky at this time but is it worth investing if I don't need the funds now or should I hold off and invest cash? My current bank accounts are making a very strong 0% interest too so...
Vanguard offer a target retirement 2050 which looks to be quite risky at this time but is it worth investing if I don't need the funds now or should I hold off and invest cash? My current bank accounts are making a very strong 0% interest too so...
0% is a lot better than -30% eh?
My IRA has been 100% cash since mid-2018. I was kicking myself all last year as stocks pushed new highs but it finally paid off. I still haven't bought back into any funds yet, even though I think there's a good chance the bottom is already in. I'm waiting until the recovery becomes more clear, but I also wouldn't blame less risk averse people for dipping their toes back into the market.
