Hi. I have used up my ISA allowance this year in a Nutmeg managed fund. For the past 3 years, I have just transferred the whole allowance in one lump sum in April. Reading through some of these threads, I'm wondering if this is the wrong approach. Should I be drip-feeding the 20k allowance over the whole year e.g. monthly payments? Or perhaps I should time it for when the market is at a low? This is all new to me. Thanks!