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Should I leave investments in place with uni fees seven years away - BBC Article concerns

4 replies

Facecream24 · 24/04/2026 10:19

I’m fairly new and inexperienced in the investment game but have been regularly investing for a couple of years building up slowly. Aiming to save towards uni fees which for the kids about 7 years away now. So I’ve read this BBC article today https://www.bbc.co.uk/news/articles/c75kp1y43lgo and I’m a bit unsure of the implications? My investments have done well over the last couple of years and are up 25%, does this lady know what she’s talking about should I take it out now? Or is 7 years more invested long enough to weather any storms. I feel like it is an unusual statement for someone in this position to make and feel a bit concerned by it.

Sarah Breeden at a Bank of England meeting

Global stock markets are too high and set to fall, says Bank of England deputy

It is unusual for a senior figure at the Bank to be so forthright on market movements.

https://www.bbc.co.uk/news/articles/c75kp1y43lgo

OP posts:
PruneJuiceAWarriorsDrink · 24/04/2026 11:25

I think pretty much everyone agrees that there will be a crash. They only disagree on when and how bad it will be.
Where are you currently invested? How much is in the major US tech companies? What are your alternatives? Do you want to put money in Asian markets? Special situations? Small caps? Government bonds? Gold? Cash?
It's all a risk. Cash is a risk - if inflation rockets in a crash, your cash savings devalue.
7 years is good timeline to weather a storm should it come in the next couple of years. You could consider moving some of your investments away from US tech by choosing more targeted, specific funds at some point in the next 6 to 12 months. Be careful about selling right now as it's so very volatile. Don't crystalise a loss

Edited to add, since this is for uni fees, your timeline is actually 7 to 10 years - You're not going to need all the money in your DCs first year

VoiceFromThePit · 24/04/2026 11:53

There’s always a crash coming. Significant crashes typically take about 2 years to recover but rarely they can take years like the 2000 and 2008 ones.

I wouldn’t be selling now if I had 7 years but would wait until nearer the time to move to more safety.

FrothyCothy · 24/04/2026 12:04

Does “this lady”, the deputy governor and head of financial stability of the Bank of England, know what she’s talking about? I bloody hope so!

hahabahbag · 24/04/2026 12:06

Yes there is likely to be instability until this current situation is resolved, nobody know how long for. 7 years is quite a long time and if prices drop you have the advantage of buying at the lower prices remember

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