Quote Originally Posted by Boydy View Post
No, why?

I've never actually bought shares at all. I should probably stick some money regularly in an index fund but I'm fairly sure as soon as I do we'll see a massive crash.
Your pension will be about 90% ETF's. How much time do you spend worrying about that? Likely none, because you aren't going to touch it for 30 odd years.

Well the same applies here really. If you're saving for a holiday next year, then shove the money in your cash ISA. If you're not going to touch it in the short term then buy some stocks. If the market as a whole crashes, then you can just buy more and reduce your average price, so you're better off when it recovers.