S&S ISA into cash ISA

[Ferro]

I have about 20K in a stocks and shares ISA that I need to liquidate in the next year or so for a house deposit. How do I protect it if Trump does something unpredictable and the markets plummet? Is it better to withdraw it a bit at a time so it's not all getting sold during a dip?

Probably best to move it all into something lower risk now. Either transfer to a cash ISA or move into a short term money market fund.

You have no way of knowing what global markets will look like in 12 months time, nobody does and if they claim they do they aren't being honest with you.

If you can't afford for the value of your investments to reduce from what they are today then you could sell out now. You might win or you might lose out. You could sell out a portion each month if you wanted, but you will have the same problem, 12 months isn't a long time for investments. they could go up 30% or they could go down 30%.

I'm not really thinking of medium-term fluctuations but sudden spikes and crashes like the ones that have happened recently. Like down 20% in a day and recovered again by the weekend.

I’d move it into cash now assuming it’s recovered from the recent dip. You might miss out on some growth but a one year timeline is short.