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I have recently joined EY SaT group as senior consultant recently in Netherlands. I’m tripple masters in MS economics, MBA and MS business analytics. Have 4 YOE in different industries but no M&A experience specifically. Any ideas what company should be offering me? I’ll be working as expert on commercial due diligence, FDD and valuation teams and doing automation alongside. is it wise to demand higher salary or promotion soon after I have proven that I can work and do it better than most?EY
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Vtsax vs fxaix?
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You already know the answer in your first option. Time in the market is always best
I agree, time in the market is a major factor. Other things to consider are your risk tolerance, and how much time you have before you reasonably plan to retire. This will help you determine how to diversify your portfolio. I’m 46 and on track to retire in the next 10 years, so my risk tolerance is much lower than it was when I was in my 20/30s.
Do what works best for your investment style. Lump sum vs DCA… it matters to you and your comfort level
Jan 1 is holiday so market won’t be open
Time in market is better historically. So all in 1/2. This assumes no high interest rate debt and adequate emergency fund
The worlds smartest investor Buffet (other than Pelosi the insider trading politician) has over $300 billion in cash. That should tell you something. When markets have been in growth for so many years, timing the market all of a sudden makes more sense. Id stagger it in. Start by choosing the investment you want to make with 10k then time it from there. Here is some insight into why this may benefit you in the long run.
Opportunity Fund: Buffett views large market downturns as "raining gold" opportunities to buy "wonderful companies at a fair price". Having readily available cash allows him to "pounce" on these rare, significant deals quickly when they meet his strict value investing criteria. He is famous for his patience, willing to sit on cash for extended periods until the right opportunity appears.
Market Valuation Signal: Buffett often increases Berkshire's cash position when he perceives the broader stock market to be overvalued. The current record cash level suggests he may be concerned about market valuations and potentially anticipating a future market correction.
Whats your position? If i had that money i would invest it in small chunks over the first 2 months maybe watching the market and take advantage of any dips
Yeah - the standard advice is to DCA over 2-3 months if you want to mitigate risk of downward swings. But IIRC Vangard did a study on historical data and determined that, more often than not, you are better off investing all at once.
Google “dca vs lump sum” for more details. Lots of previous discussions on bogleheads and Reddit.
Just buy unopened boxes of Pokemon cards 5 years my investment is at 1500%
Subject Expert
Very amusing. :)
Very nice. We got $120 at our location the last three years.
Putting the full $60k into a single equity index ties that money entirely to market performance and the dollar.
Some people in similar situations choose to:
Put a portion into equities (whether lump sum or DCA), and
Allocate a smaller slice to assets that behave differently in stress periods — like physical gold or silver, often held in a self-directed IRA if it fits their broader retirement plan
Not as a return-chasing move, but as a way to smooth volatility and protect purchasing power over time.
A blended approach can help you stay invested through cycles without second-guessing decisions during drawdowns — which, in practice, matters more than picking the “perfect” entry strategy.
If it’s helpful, I’m happy to share a few educational resources on how some people use physical gold and silver IRAs for portfolio protection — feel free to DM me.
Subject Expert
Physical gold and silver IRAs? Are these the ones that charge huge fees and markups? And hire people to market them aggressively?
What do you do for McKinsey?
What's the difference between investing 10k and 60k?
That one’s free
Given how chaotic things have been over the past year, I'd tend to keep some in cash. We never know when someone could do something completely insane and tank the market. And the news lately has been ominous, it feels like we could be days or weeks away from a war breaking out in at least three places on the globe.
Coach
I’d just lump sum it so you don’t have to think about it.
Subject Expert
If you are worried about lump summing, that is a sign to think about whether your asset allocation is correct.
Should you really be 100% equity and 100% US large cap? It seems to be bothering you.
The majority of our clients in similar situations, leverage their EOY bonuses into dual interest accounts, and begin investing in private equity. Send me a DM, we can schedule a call to see if you qualify.
*man