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I am setting up my SMSF shortly, and have a question about timing. One thought is to simply take all the roll over and immediately invest in the portfolio strategy (across asset allocations, combo of ETF, funds, cash).
The other thought is to hold a lot more in cash and then progressively invest in the strategy over next 12 months. The latter would (presumably) give me better choice to invest at the “right” time.
I can see both sides to this – I guess the old advice of “time in the market is better than trying to time the market” is still relevant though.
However, very interested to hear about the right timing strategy to transfer into an SMSF.
A: Thanks for the question.
As you would know from reading Peter’s regular column, our view is that the Australian share market can get up towards 6,000 by the end of the year, and that the property market probably has another 12 to 18 months in it.
While offshore markets (particularly the US) look fully priced, if interest rates stay at or near 0%, it is hard to see too much of a downward correction.
On that basis, we would probably suggest that you invest earlier rather than later.
That said, we don’t really see our skill set as “market timers”, and have found that the adage ‘time in the market’ stands up pretty well.
Kind regards.
