I have about $75K cash ready to deploy across 401k, Roth IRA, and Brokerage accounts from recent rollovers. What would you all recommend: DCA over a period of time given current market conditions or invest all at once? If DCA, frequency & time period? TY!

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

I personally would invest everything today.

like

If you can live with ups and downs, put it all in today. If DCA helps you emotionally, DCA. At the end of the day, no one knows where market will be in 1 year, but odds are that in 40 years it will be way up, so DCA over 1 yr vs investing all today is small. All about how you deal with investing emotionally IMO.

like

Lump sum, for time in market vs timing market.
Read a blog post running numbers on this that found that maxing 401k at beginning of year (without disrupting company match; S&P500 index) won out for most years vs DCA.

like

I would DCA the 401k and lump sum the rest. Odds are your 401k is limited to a portion of your salary anyway. If you do decide to max it early make sure you will still get the full employer match if applicable.

Edit - rereading you probably mean you have cash in your 401k. I'd still split the difference personally but historically lump sum is the better answer most of the time.

like

DCA over a Year... we don't know if it will get worst.

We don’t know it won’t get better

Put it all in. Quit thinking about it. Don’t look back. And continue to contribute.

There’s a good vanguard white paper on DCA vs lump sum - should be easy to find. Lump sum wins most of the time - but not all. I wasn’t able to find the underlying research on the cases when lump sum didn’t win. Of course, Vanguard wants your money in the market, so …. Unless you are DCAing over a very long period, lump sum is prob the best. Unfortunately the market is high now and a lot of chatter about recession on the horizon so the next few years might be volatile.

Related Posts

Starting to get into investing and generally a pretty risk averse person so not out here trying to make fast money. What mediums do people generally use to invest? Think I’m too easily stressed to pick individual stocks, but happy to take suggestions for platforms for both. TIA!

like

I currently have both of my retirement IRAs in SPY (Roth & Traditional). I rarely ever see anyone here invested in SPY, it's usually a vanguard fund like VOO, VTI, VXX etc. What's you're reasoning behind that, and alternatively if you're in SPY, why?

like

I have 200k in HYS. Currently have 1k in BTC. Id like to start DCA to diversify my investments. How do you recommend this? Should I buy a bunch outright and then start investing 5-10% of each paycheck?

like

How much hard cash do you all keep on hand?

likeuplifting

Thoughts on Arena Investors? Reputation, performance, culture?

Also curious of the implications of a firm structured as a HF but investing like a PE?

like
like

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

like

How is Oracle India Insurance benefits. Do they cover fertility treatments and IVF?

like

Anyone work for Uber? Thoughts on culture, benefits, etc..?

like

Anyone here uses Bitmex? It is not open to US residents, but, people to seem VPN in. My primary question is about taxes / reconciliation when one does margin trading. Thanks 🙏

Any tips on refinancing student loans?

like

Red flag? I use TD's robo investor for my IRA and personal investment portfolio. I noticed it chooses the same ETFs, although potentially a different ratio. This seems that it's not properly diversified for long and mid term. Should I be concerned, or just let the investment fly?

like

Are you a PA in the San Francisco Bay Area? If so, what is your specialty and salary?

like

Hey fishes,

Anyone here from Life sciences and healthcare strategy and consulting?
I am working as a domain consultant but looking more into management consulting jobs

YOE- 6+

Kindly help me. Kindly referr.

like

Any recommendations on where to invest 10k? I have about 15k in stocks but I don’t think I’ve done a great job picking stocks. Also for people making 150k+ how do you budget your money monthly?

like
like

Wishing PDX had a bigger ad scene so I can relocate 😩 I love this city

like

Looking to get into health policy analysis or healthcare consulting in the UK or EU. I have 3 YOE in clinical practice as a dental surgeon and programme analyst, as well as a master's in healthcare management. I have applied for so many entry-level positions but have gotten so many rejections, I've lost count. Please, does anyone have any helpful leads? It gets really exhausting

like

Hi Guys,

Anyone joined Oracle financial services software recently and throw some lights on below things.
1. Will they provide any welcome kit and when can we get the same?
2. Any dongle or can we get internet reimbursement?

like

More Posts

like

A friend of mine applied for a job at Bain and he said part of application requested his SAT scores! What’s the point of asking for his test scores? He has a degree.

like

How long before joining do we get on boarding mail?

What is the cheapest electric company these days?

Looking to hire one or two paralegals in Baton Rouge, La. DM if interested! Firm is primarily civil litigation and PI defense for plants and trucking.

like

If I apply online (without referral) and don’t get a response or get rejected immediately, does that count towards waiting 6-12mos to apply again?

like

A close family member recently passed away and my grief is reflected in my work. I’ve started making careless mistakes, I can’t focus, and I find it impossible to put in a full day’s work. How long did grief impact your research?

like

Hi all,i have been taking interviews for my department since the last 3 months.Should the company be paying me for the extra efforts?

like

Those who are voluntarily returning to the office — how often are you going and what days seem to work for you? Looking to slowly incorporate a few days here and there for change of scenery etc. — will add there is no pressure to do so (yet).

like

What is the best legal referral service for leads?

like

Has anyone successfully transferred offices within Texas? Dallas to Austin.

like

Anyone knows where to find true deals on Rolex watches? New or used, in/outside of US?

like

Anybody work in wealth management Bank of America in Houston? That I could reach out to?

like

Hi guys,

Can someone please refer me in Bny, already on notice. Experienced in fx reconciliations and ops control reporting, also have good experience with SQL and VBA.

What’s your hype up song this week?

like

Rs, do you agree that the Trump administration should immediately begin to provide the Biden administration with classified material, especially on national security matters and the pandemic?

like

Something strange happening one day call is coming one day it's not

like

Are FAANGs on a hiring freeze for software engineers?

like

1st year SPED teacher here, If you had $700 to spend on your classroom what would you get?? I don't know what I am missing out on. :)

like

What happens if a employee discloses his performance has suffered because corona virus got him depressed and he’s been drinking?

like

Additional Posts in Personal Investment Chatter

I’m aiming to retire in 30 years, my current asset allocation between all my investment vehicles is 10% REITs, 10% Int. Equities, 10% bonds, 20% small cap equities, and 50% S&P 500. They are cont...

like

Starting to get into investing and generally a pretty risk averse person so not out here trying to make fast money. What mediums do people generally use to invest? Think I’m too easily stressed to pick individual stocks, but happy to take suggestions for platforms for both. TIA!

like

I currently have both of my retirement IRAs in SPY (Roth & Traditional). I rarely ever see anyone here invested in SPY, it's usually a vanguard fund like VOO, VTI, VXX etc. What's you're reasoning behind that, and alternatively if you're in SPY, why?

like

I have 200k in HYS. Currently have 1k in BTC. Id like to start DCA to diversify my investments. How do you recommend this? Should I buy a bunch outright and then start investing 5-10% of each paycheck?

like

How much hard cash do you all keep on hand?

likeuplifting

Following up on “how you pay for engagement rings question”, where did you buy the engagement ring? Blue Nile? Private jeweler?

like

Does anyone mind sharing how they are saving for the future? Or just securing yourself? I have stocks/bounds, 401k, regular (1) savings/ (2) checking, about to open a self found Roth IRA. But, what else am missing? Should I do a health found? I’m also starting a bit later at 34, so I feel like I have a lot of catching up to do. Any advice?

like

Went to a club yesterday and we paid $20 pp for cover just to find out that it was empty and there wasn't really a clubbing vibe. Bought a round of beers and we were so bored that we decided to leave in a few minutes... I feel robbed but at the same time I guess there's not much I can do, or is it? Im not sure if a CC charge back even applies in this case. Anyone had the same experience?

funny

Any twin toddler parents? I have twins (2 years old) and i am unable to figure how i would get them into college. With the current tuition costs and living expenses of attending college, i feel i can either buy a house or get them education. Any advice on how to plan savings?

like

So student loans aren’t being forgiven this year…right? I think it’s time I open the flood gates and dump all I’ve been saving towards my loans. Or should I leave 10k in hopes of forgiveness later on?

likefunny

HSA vs FSA. My current employer doesn’t offer HSA but, offers FSA. HSA is no brainer. But, not sure about FSA. Any advice??

like

My husband and I have saved up about $80K and it’s just sitting in our bank account. We thought we were going to buy a townhome but with the crazy inflated prices we decided not to since we like where we live currently (location could not be better and rent is crazy cheap at only $700 a month). How should we invest our money in the meantime while we save up for a house?

like

Can someone point me to some material where I can read about profit sharing vs 401k. I get the concept, but I am trying to understand is 10% profit sharing vested over 5 years better than an employee 401k match of 6%?

From my understanding 10% PS is better because it’s just a standard 10% on top of whatever I contribute though it takes 5 years to vest. Does this mean if I leave before 5 years I don’t get any of it?

like

Thoughts on more aggressively paying down mortgage vs investing? I don’t have any real debt outside my mortgage & currently have 180k in my 401k, insurance policy & invest in a 529 for my daughter’s

like

Looking to put $5K in the market. Which ones would you buy? Lululemon, delta airlines, Peleton, docusign, Zoom, etsy. Any that I’ve missed and should consider? Already have MSFT, BRKB, NVDA, BABA and multiple broad ETFs

like

How do you make side moneys? Any apps or websites that would allow me to do work online and get paid? Thinking about bookkeeping gigs or something similar.

likehelpful

Transferring IRA from Vanguard to Fidelity - do I have to liquidate my holdings?

like

I just heard recently that if you refinance and your house appraises at 20% more than the amount owed, you can remove PMI. Is this correct? Getting a divorce and trying to keep the house but moving from a VA to a traditional loan and would rather not pay PMI if I don’t have to. House was purchased for $460k no money down (VA loan), refinanced at $450k to lower payments $400/month, now have $430k left on the loan... would it have to appraise for $516k?

like

Dumb question but anyone know what’s going on with KO in 2021? End of 2020 had stock approaching $60/share but then it crashed below $50 in 2021.

likefunny

How safe is storing crypto on blockfi to earn interest? Seeing recommendations to store crypto offline for safety. Hence trying to gauge if it’s worth the interest on blockfi.

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