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Statistically, lump some is the right answer. Practically really tough for me to dump dump it all in at once when market is at all time highs. I’d be doing the 5-10k per week and picking a down day each week as best as possible.
Neither is gonna be all that different unless something drastic happens over the next 6 months. I think DCAing protects you from a big downturn and you’re still getting to partially partake in a big run up
Pro
DCA. Hold the rest in a MM account paying a good rate.
Definitely lump sum it. I would consider some diversification—maybe small caps, mid caps, international stocks?
At your age DCA vs Lump Sum is splitting hairs. Time in the market beats timing the market. Now, if you were 55….. DCA….