DCA or Lump Sum? I recently sold out of accumulated RSUs from a previous employer, approx $100K. Obviously need to get this money into the market, planning to go 100% VOO. Would you DCA $5-10K a week for the next 3-6 months or just invest it all at once? 28 years old, don’t need the money in the short run, so I’m leaning to invest it all at once to maximize time in the market - thoughts?

like
Posting as :
works at
You are currently posting as works at

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

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….

Related Posts

Anyone know average salaries for 3rd year associates at small firms in San Francisco that represent government agencies and non-profits? The firm has about 20-25 attorneys.

like

Can anyone help me with Referal?

I'm a Fresher with internship experience of 1.8 years.
I'm good at Brand and social media strategy.

Skills - Social media marketing, Brand Strategy, Atl and BTL, Advertising (online & offline), Ms Excel, Ms power point, Canva, Photoshop, Market Research, Analytics.

I'm a graduate in Journalism and Mass communication for GGSIPU

Is it true that stocks bought and sold are visible in form16?

Hi. I started a personal finance Instagram account to share financial journey and financial tips. It’s called Her Millennial Money. I would appreciate any feedback or ideas of what to share.

like

Any metaverse coins I should be looking at? What’s the next big thing? Have a few grand to gamble away.

like

Anyone have a good PE specialist financial advisor?

like

Hi mates for Canada PR application,
Have anyone tried for gift deed kind of way for showing proof of funds for express entry

like

Anyone get public service loan forgiveness? The stats of only 1% qualifying is always wild to me. I know people have made blatant errors (not make sure their jobs qualify, not consolidating their loans, etc) but still....

like

My direct report expensed Cal Bar late fees assessed for reporting MCLE credits late and for paying the bar fee late. It’s around $190 extra. I don’t care about the money (it’s not mine) but I think this is principally wrong to ask the company to cover it. Thoughts on this and how you would communicate it?

like

There’s a debit card that I’ve been using for the past 4 years and it beats out some of the cash back credit cards. It’s the Cash app debit card. I haven’t heard people talk about it in the card community and it could save people a bit of money - 10% cash back. I posted about it on my Instagram HerMillennialMoney if you want to learn my tips and tricks with the care.

like

Wife got lawyer, and I am interviewing lawyers starting tomorrow. I am primary breadwinner (95%), but she is citing at-fault divorce. I have been having substance abuse issues and anger issues (no physical violence). Need help. She is okay about negotiating outside lawyers. Can anyone recommend a divorce lawyer in ATL area? Any pointers? No kids. Married for 3 years. I paid her student loans and put her through school.

Best neighborhoods to live for a young adult in San Diego budget of 3k ish for a 2 bedroom

Currently 23yo with $65k in cash and $14k in student loan debt. Not sure what the best course of action is. What would you do?

like

Upload button in etax is not working for me. I am not able to upload any tax proofs because of the same. Anyone else facing the same issue?

like

Are commercial properties getting inflated like residential? Thinking of getting into commercial to extra income.

Anybody know if and how much I can contribute to my Roth IRA to reduce my 2020 tax liability? I’m trying to pay less taxes but Jesus this pandemic has been great for my law firm and salary.

like

Best resource to learn about the energy generation world and trading? Would appreciate some courses, books, or leads.

like

Is it worth it to buy a multi-family home to rent out?

like

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

like

More Posts

Burnout: cyclical and becomes so debilitating that I find myself unable to do simple every day tasks. How often do you burnout? What does it entail for you?

like

How much does everyone spend on groceries and ordering in? I spend 180$+ a week because eating good food is the only entertainment in lockdown

What are your thoughts on those who refuse to wear cloth masks as a healthcare professional?

like

Hi, when is promotion list announced in Ey , is it july month? Can anyone share insight on this

like

Hi! Looking for avg Pelvic Health PT salary in SC , just starting out in this speciality. TIA

like

My date won’t share his playlist with me (I can listen to it but he won’t share it). Just curious, is playlist a big deal to guys? We are both at early 20s and only dated for a week

funny

7 years experience in Admin role. Looking for a change.

like

Need 11 likes for Enable DM

like

M7 Bschools with most scholarship opportunities for vets?

Hi fishes
A known of mine with 8 years of experience in a leading US Bank industry got an offer from

EXL as AVP/Engagement manager at credit for fintech clients (42+5 LPA)

and

Accenture strategy as Manager in operations for banking (40+3 LPA)

Which one should he go for?
Any suggestions?

like

How is Deloitte USI Finance Strategy and Transformation profile in terms of exposure and work life balance?

like

With so much uncertainty in the economy and waves of layoffs that have hit tech especially hard... do we think there's really such a thing as a recession-proof job anymore if you're not an "essential worker"?

like

Thoughts on 2022 grand Cherokee limited? Think 🚘 prices go down by December?

Tells us where you are from!

like

Hello. How many sub-levels are there within M level ? Also, does S&O follow up or out model ?

like
like

Hello all,

I have joined Capgemini on last week they took for development project and now they assigned to admin related projects.
I am not interested in admin related projects.
What can I do ?
And if I quit from cg need to serve notice period?

like

Hi all I have few queries as I am planning to join Cisco next month. Is there any onsite opportunity in Cisco? Any yearly hike? Is it really flexible to change project?

Thanks in advance.

like

Hi fishes!

Looking for switch, I have overall experience of more than 4 years in IT, FinTech industry combined.
I am Engineering grad in ECE, Post that I have worked in TCS for around 3 years in SAP ERP as implementation Team member.

Post my PGDM- Financial services from reputed institute and got placed in Arcesium a FinTech company providing hedge fund accounting solutions to Hedge fund managers. I am working as part of Client onboarding Team.

Have exposure to data migration, recons.

Thx

Anyone looking at traveling to Costa Rica? They have a list of states from which they will admit tourists while also requiring a negative covid test, health history, etc. As someone not on the approved list, I am bitter and curious why the population is grouped at a state level when there are massively different rates of infection within each state (not to mention personal responsibility) and you are already required to present a negative test. Any idea how often those lists get updated?

like

Additional Posts in Personal Finance Bowl

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

like

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

like

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

like

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

like

Paid off my account debt!

like

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

like

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

like

What does 401k mean?

like

Have about 5k to invest - should I do FXAIX or FSKAX?

like

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

like

In your opinion which is the best target fund to choose in IRA Roth?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

like

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

like

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

like

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

like

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal