I have $200k cash sitting in hysa and will need the money in about 3-4 yrs time. Should I dca it into s&p 500 index fund?

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What do you need it for and if the market crashed could you post pone what you were buying? Under 5 years is usually a no go for the market but $200k cash is a lot to be sitting on sidelines especially with 5% inflation.

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That's true. Missed the run the past 12 months. But gotta move on and not miss the next 4 yrs

likeuplifting

You just missed out on one of the best years it’s ever had. You could keep waiting or you could DCA 10k a week starting tomorrow which is what I would do.

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thats a lot of cash sitting around, but it’s relative. what % is this relative to your entire networth

helpful

Need it for house purchase as a portion of down payment. Just bought a house a few months back and plan to purchase another in 3-4 years. I'd be ok to pushing it out if the investment loses a bit in value. But if I see the market crash in the near term, I might also go all in vs dca. For example, even a $5k dca per week would take 40 weeks to invest. If I slow it down, it might run longer. If the market crashes in the next year, I'll just go all in with the remaining cash. If it crashes after I dca it all in, well, that would suck :)
What am I missing?

Blockfi stable coin 🪙

Whats DCA?

Move $$ to Vogayer USDC for 9% interest. Move into the market if/when it dips.

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Lot of fear in the market right now (understandably so). The situation in Ukraine is awful and the potential consequences are scary to think about.

There are some who want to sell in fear of their investments falling further. Do not do this. Hold and continue to buy more. Continue your 401k contributions, and add whatever you can afford after every paycheck into your brokerage. Those who sold the covid crash were often late buying back in.

This is the dip you're worried about.

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