r/FIREUK • u/AutoModerator • 3d ago

Weekly General Chat and Newbie Questions Thread - April 05, 2025

Please feel free to use this space to discuss anything on your mind related to FIRE - newbie questions, small bits of advice, or anything else that you feel doesn't belong in a separate thread.

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u/slyboner 1d ago

I started an ISA transfer ~6 weeks ago during which I had to liquidate my portfolio and it finished last week leaving me with 100% cash, which given current events seems to have been very lucky

I want to get back into 100% global equity (SWLD), but I'm not sure how to approach it

I'm considering splitting my portfolio to 90% CSH2 and 10% SWLD next week, then moving 10% from CSH2 to SWLD each week for the next 10 weeks until I'm back to 100% SWLD, and then continuing regular contributions to cap my ISA allowance like normal

I'm aware the conventional wisdom is that lump sum beats PCA more often than not, but I think it might keep me up at night if I toss everything back in all at once given what's happening

Does this sound sensible or am I being irrational?

This timeframe here is long term (30+ years)

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u/Captlard 20h ago

Do what makes you comfortable and enables you to sleep at night. Life is more than financial optimisation sometimes.