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I personally would put it all in tomorrow morning. Historically investing all at once has been better about 2/3 of the time. Of course that means one third of the time DCA would be better (my math skills are amazing). Do what makes you most comfortable but realistically over a 20-30 year horizon, it won’t matter. If you DCA, make a plan and stick with it. Don’t start DCA and the decide the the market is getting to high and try to time it.
This is the most well thought out, and absolutely spot on, reply you'll see.
Time in the market > timing the market. If you’re not touching until retirement, just throw in now
If time horizon is in 20-30 years. Just throw all of it at once. Any short drop due to that will be offset in the future
If I were you, and given your horizon, I would allocate some of that $$ in individual stocks too. Take some risk, put 10-15k in a heavily discounted stock like PTON
That is fine. Just because it was higher before doesn’t mean it will go there again. Once again I am not predicting anything. It very well could take off again or it could drop further. Just really commenting on your suggestion for someone to put a significant portion of their investable assets in a company that struggling right now.
Pro
Time horizon for when you need it?
Planning on not needing to touch it for the next 20 - 30 years