It is only natural for investors during periods of stock market uncertainty to want to time their investment to start at the most beneficial time when markets have reach their lowest point and about to recover sharply. However, they may be surprised to know that if they are planning to invest for the long term the difference in gain between investing at a bad or good time is very small. See the market volatility Guide.

Dripping

If you want to invest a lump sum without exposing the capital immediately to volatile markets you can arrange an offshore investment bond and place your capital in a portfolio of deposit funds with no exposure to market volatility.

You will then be able invest in equity markets by (dripping) capital out of your deposit fund portfolio, when you judge the timing to be beneficial, into equity based investment funds to suit your particular risk profile and long term investment objectives.