Hi-I have 120K in cash in HYSA. After keeping emergency fund aside. Still have 75-80K available that I plan to invest. After 401k, HSA, IRA and monthly expenses: we are left with 6K every month. So investing 12K every month in market. My worry is with that rate - it will take us 12-14 months to move the extra 75-80K mentioned above. However do not want to make a bulk move. Any advise how to plan the switch. At present have 60K invested in stocks. Thanks

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I assume 1) you can’t time the market and 2) you don’t need the money right away since you already have HYSA and emergency fund, with no other immediate obligation to note. Then, this investment you’re about to make is long term investment. In that case, why worry?

If you’re risk averse, then DCA. If you want to DCA that amount in less than 12-14 months, then DCA more every month. If you trust most empirical studies in finance, then know that putting the bulk in once tends to yield better results than DCA.

The important thing is to get the mindset right: you’re doing long term investing. Daily levels don’t matter.

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Thanks BR1. Yeah this will be for long term and no such need to it in 4-5 yrs or beyond. unless we plan to buy an investment property. But that’s a long pull. We have not even started a conversation around it. So far I’m doing monthly DCA. And have read some articles about how lump-sum plays slightly better in long run. Just not able to make up my mind. For years doing DCA and it’s a big mindset shift I guess.

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