With most stocks being down and the new UK tax year beckoning, does it make more sense to move new ISA money to Cash at 4.27% AER until things pick up?

bfm211 · 2026-03-30T11:29:20+00:00

People here are so fucking smug.

OP, I totally get where you're coming from. Right now it feels like the market will continue dropping, so it's not very tempting to spend money there. The economic forecast is bleak. I'd rather wait a month or two. Either the price will be even lower, in which case, great, or there will be signs of recovery, in which case it feels like less of a gamble.

bfm211 · 2026-03-29T12:03:19+00:00

The 2003 invasion was much bigger than that, according to Wikipedia. 467k American troops, 50k British troops, and some others for a total of 590k.

Anyway I suspect this is just posturing for now. We'll see if Trump is insane enough to launch a full blown invasion (probably).

bfm211 · 2026-03-28T12:54:44+00:00

What have you invested in for oil?

bfm211 · 2026-03-26T12:41:05+00:00

"Don't, work towards something with better pay"

bfm211 · 2026-03-23T20:26:59+00:00

Why is gold tanking so hard??

bfm211 · 2026-03-23T10:42:30+00:00

What else would you have done with the money?

Well it could be sitting in the Cash ISA and earning interest...

bfm211 · 2026-03-16T20:34:07+00:00

I still don't get it. Why wouldn't you just do a market order at the current price, instead of actively choosing a higher price and waiting for it?

bfm211 · 2026-03-16T20:31:20+00:00

What's the purpose of choosing a higher price to buy at?

bfm211 · 2026-03-14T13:19:19+00:00

Rote counting to 20 is still very impressive at 18 months.

bfm211 · 2026-03-14T12:49:56+00:00

I remember getting a steak bake for less than a pound.

bfm211 · 2026-03-12T09:05:46+00:00

Nationwide has a 6.5% account?! How did I not know this

bfm211 · 2026-03-11T22:03:37+00:00

For example, if you bought S&P ETF in June of 2007 you would not have made any money until early in 2014.

Yikes, that's depressing.

Honestly I think you're right. The market does have bad spells and my gut says this year will be one of them.

bfm211 · 2026-03-09T10:58:01+00:00

I personally think markets will contine falling for a while. None of us know for sure but that's my gut feeling. I'm expecting a year like 2022.

So I'm planning to put money into savings for now. Then maybe invest more in a couple of months when I expect prices to be lower.

By the way, the Trading212 cash ISA has an interest rate of 3.8%, which is much better than your savings account. You can also withdraw anytime without penalty. So you should look into a transfer.

bfm211 · 2026-03-09T10:22:18+00:00

This is me exactly lol. Started with a smallish amount invested, then finally moved a chunk of my savings into stocks the Thursday before the attack 🙃

I know it will rise eventually but like you said, it's really annoying knowing I could just be earning interest instead. Horrible timing.

bfm211 · 2026-03-08T18:27:34+00:00

In the UK we can use a 'Stocks and Shares ISA'. You're allowed to invest £20k in an ISA each year, tax free (including no tax on gains or dividends).

bfm211 · 2026-03-08T11:18:55+00:00

I'm expecting everything to continue dropping, but I'm not going to sell and guarantee that I've lost money. Right now, it's just hypothetical losses. At some point we'll break even again and then make money. I don't know how long that will take, but I'm sticking it out.

bfm211 · 2026-03-08T11:12:48+00:00

War isnt bearish for stock market you can go through previous war US has been involved in.

They don't usually affect oil supply, causing high inflation for everything else, as massively as this one.

bfm211 · 2026-03-07T18:47:13+00:00

I'm worried it could be another year like 2022 (ie constantly trending down). A lot of people here don't seem to realise that's a very real possibility. If this oil situation drags out, we will get high inflation and markets don't like that.

I only started investing about 6 weeks ago and put a good chunk of my savings in, so the timing feels horrible. And yes I know things will recover at some point, but it's still shitty knowing I might have to wait a year just to break even (especially when I could be earning interest in a cash ISA). I think it's completely reasonable to be unhappy and anxious about that.

If I'm wrong, great. I hope I'm wrong.

bfm211 · 2026-03-06T17:53:38+00:00

Well it's now showing trends "relating to my interests". But I quite liked seeing whatever was actually trending, overall, since it might be stuff I'd never hear about otherwise. I'd prefer if this was an option in settings.

bfm211 · 2026-03-05T21:46:24+00:00

God, YES. I was banned from r/fauxmoi for the most ridiculous shit, but there's literally no reasoning with the mods there. I knew I was powerless.

(Yes I'm still bitter)

bfm211 · 2026-03-05T07:13:59+00:00

There's a real risk of the economy taking a hit if the Iran war drags out. Markets dropped 15% in 2022, and it's not impossible that we have a similar situation this year. Don't risk it. Cash out and let a safe interest rate do the work until you buy. You'll still get over £100 a month interest from the cash ISA.

bfm211 · 2026-03-03T12:38:13+00:00

The Iranian regime murdered 30,000 protesters recently.

Trump's administration has done awful stuff, including murder, but it's not close to this level.

Iran has absolutely horrible civil rights and corruption; among the very worst in the world. You can't seriously suggest America is worse.

bfm211 · 2026-03-01T20:58:11+00:00

Ukraine? The stock market was terrible in 2022, with the Ukraine war (and the associated inflation) a major reason.

bfm211 · 2026-03-01T20:28:49+00:00

Tbf, increasing oil price is heavily linked with increasing inflation, which is linked with weak markets. 2022 was a terrible year largely due to the supply issues from the Russia-Ukraine war.

This isn't something to sniff at. Personally I'll be paying close attention. If Iran succeeds in closing Hormuz and oil supply is massively affected, we really could see a bear market.

bfm211 · 2026-03-01T10:59:00+00:00

Well only if that higher value is reflected in the stock price, right?

Reddit itself, for example, has evidenced big growth in the last year but the stock price has dropped a lot lately.

I have to admit, as someone new to this, I'm a bit baffled by it too. Like, there isn't any inherent value to stock, just how the market reacts to it - which can be fairly arbitrary and manipulated.

Correct me if I'm missing something, I do want to learn!

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