Many Happy Returns

What to Buy in Your ISA In 2025: Is This Year Different?

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Apr 23, 2025
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ADVICE

Core Portfolio: Keep It Simple

  • Build your core portfolio with a low fee, globally diversified, market cap weighted index fund.
  • Hold it for the long term and avoid fiddling with it despite market news or economic changes.
INSIGHT

Dollar Weakness Creates Opportunities

  • A weakening US dollar combined with falling US stocks makes global investing unusually challenging for sterling investors.
  • While tough now, this scenario can create cheaper entry points for long-term accumulation.
INSIGHT

Currency Hedging Rarely Pays Off

  • Currency hedging in equity funds often doesn't make sense long term because stock price growth outweighs currency moves.
  • Costs of currency hedging and interest rate differentials usually diminish hedging benefits over time.
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