Inherited $750,000 last week. My plan is to invest with DCA over 12-15 months in VOO and VTSAX. Market has been unpredictable and I know lump sum will beat DCA 2/3 rd of time. Thoughts ?

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

First I would pick VOO or VTSAX or VTI and just use one. I would personally use VTI. No real issue with VOO and VTSAX but no real benefit either. I would personally add some VXUS also, depending on what you have already. I personally would invest it all right now. However if DCA will make you feel better about it, that is perfectly fine also. Just make a plan and stick with it. Don’t start to DCA and then hold off on investing based on what the market is doing at that time. If you decide you are going to invest 1/12 over 12 months do that. Don’t start and in 6 months get worried and change the plan. Market timing is a loser for most

likesmart

Just know that people have been saying the market is overvalued for the last 10 years

You trying to get some bottles tonight in chi? Happy to brainstorm investment strategies with you

funny

Thoughts ..
- Sorry for your loss
- Congrats on the inheritance
- If you understand that you have a 66% better chance, why would you not do lump sum?
- Why would you do VOO? That's just a smaller section of the market. Also an ETF. Stay with VTSAX, automate the investing
- As E1 said, adding in a small exposure (<10%) to VXUS might be a good idea
- Not everyone gets such an opportunity. Use this to fast track your FIRE

smart

That is the hope and fast track fire. I am 46 and now have 2.6 m in net assets including my home. Waiting to pay my home and my kids out to college and have a new worth of 3.5 M and I will stop working. I have made calculations from every angle and my wife and I don’t need more money. Thanks for your advice. As I said above I don’t need to make my heart stronger to make lump sum. Thinking about it…..

like

Yes I am considering all options

like

How did the funds come in? If I’m a Roth or trad, Do you get to let it run the 10yrs? With the market where it is, more than ever if it’s cash, a lump sum approach seems ok.

Is it an option to take half and lump sum that and DCA the other half?

Just too scared to put a lump sum amount to be honest

Related Posts

I read these posts and what numbers you have with FIRE. I don’t have nearly that much saved; I am paying for two kids in school (college). What is the minimal amount?

Buying a house with monthly expense of $4900, although my current rent is only $2350. My total HHI with my husband is about $310K. I’m feeling weary of spending this much but we live in a HCOL area near a major city and we have high taxes. It’s hard to find anything decent under $800K. Should I just suck it up in order to be a homeowner?

like
like

Is it true that some* debt is good debt. I’m referring to student loans, interest is ranging from 2% - 5% (all federal loans). Total is 20k, is it smarter to pay it off immediately and ASAP or just stretch and put the extra money into investing? Note I just graduated this year, thank you guys :)

like

PSA, you can transfer your car loan to an interest free credit card. Got 18 months interest free with BOA and a 20k credit limit. Transferred my car loan and I am no longer paying interest

likehelpful

How much household income should be to buy $1M house? Also what is the approximate down payment? I know 20% is the ideal but how much do people typically pay.?

likeupliftinghelpful

Hi lads,
Anyone please help me understand what would be my monthly salary that will get credited, with/without the tax deduction on monthly basis.

And I'm new to all this I don't know what is variable pay, basic etc. Please help understand this by writing few description on above points. Also by submitting the home rent agreement how much will be saving, and will that only be sufficient or i can add more bills to avoid the dedication. If yes what types of bills i can submit like fuel bills etc.

Post Photo
like

Person on my ATL to SFO last week was wearing a full construction respirator with a surgical mask across the front. (Like in photo, I had to photoshop it together because I couldn't get a pic on the plane)

Like... why?

Post Photo
funnylike

Hi guys
I am from EY india
I have declared my investments in tax declaration portal , still I see in monthly salary that there is huge tax deduction.
In my previous organization, once I declared my investments in the tax portal , then my salary was very less affected by tax deduction.
But in ey india , I don't see any effect after declaring my investments.
Kindly help me how to declare investments so that there will be less tax deductions from my salary .
#EYINDIA

like

Hey Guys,

Can anyone please suggest sectors i can rent a 1bhk in and what will be the cost.
Please help me.

like

Departing BOS Friday night

Post Photo
like

New start coming out of undergrad - other than maxing out 401k contribution to 18.5k in the year, what other low hanging fruit should I get? (I.e. I’ve heard of a Roth ira but not sure what it is)

like

Hi, Planning to invest 15K in Mutual fund every month

Can you guys please suggest me?

years=15

Canara Robeco Small Cap Fund Direct Growth = 5k

Quant Mid Cap Fund Growth Option Direct Plan =5k

Quant Tax Plan Growth Option Direct Plan=5k

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

like

Have 20k, what’s a good small business to start with this fund? Serious question here

like

180k base in CA: Is 1500/month net saving goal too aggressive?

likesmart

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

like

How many times do you look at your checking account a day

likefunny

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

like

More Posts

I got a offer from HCL.

I have given joining date of my previous company with a difference of 1 week and submitted joining form.

Will there be any issue in BGV.

I am worried about it.

Can anyone please suggest what I can do at this point.

I received an offer for $74k as underwriting analyst. Company is based out of DC. Is $74k a good offer? Or should I negotiate for more. 6 years in the industry. 5 as an account manager/underwriting assistant

like

Anyone know any decent web developers that can quote for a project?

What's the salary range of consultants in ACN in India? What's the upper limit?

like
like

I am yet to join servicenow as backend developer senior software engineer. Will there be too many expectations from SSE role in company?? Please guide

how to decide between firms? they seem so similar. deciding between bcg & mckinsey in chicago. are exit opps & brand value actually different between them?

like

So what is the cheapest way to get a RIMOWA carry on? Lufthansa Worldshop has great prices but doesn’t deliver to the USA

Any superb restaurant recommendations in vail? My wife and I will be celebrating our 10 year anniversary and we just had our first child. Since most dinners these days entail standing over our kitchen island, want to go all out on the food. We already have Matsuhisa and Mt. Standard lined up, curious to hear about any others!

I’m loyal to delta, but I’m moving to a city where American is the main hub and Delta has practically no non-stop flights to/from there. It’s time for me to open a new credit card, so I was considering the Citi/American one. Any thoughts?

like

Anyone else experiencing pencils down?

like

Trying to transition and looking for a general progression of how you would go from essentially zero to entry level job as quickly as possible?

Currently going through the CS50 course to get a very basic introduction. Trying to avoid going back to school but open to boot camps if the community thinks they're with it.

Thanks in advance!

likesmart

Can we re-negotiate the package after offer letter has been released ?

like
like

Shout out to @nonequitypartner. We see you. Keep up the good work, and pls fix, thx.

likefunnysmart

Does anyone know the salary for a westlaw account executive? also a contact for a westlaw recruiter?

like

Job Opportunities at Indium Software

Post Photo
like

Tax senior with CPA at small firm. Best way to get to Big 4 audit? (LA or OC) Went to non-target so little to no alumni at B4. I don’t mind the switch to a lower title since audit was always my preference and was never a fan of tax (stayed local for family).

like
like

hi fishes

I had applied for the role of business analyst and have cleared one on-line assessment WHT could be the next stages any idea

Additional Posts in Personal Investment Chatter

Need advice on where to invest my money. I’m 27 y/o and have 100k saved. 25k with a badly managed robo advisor which has only given me +3% this year, 15k actively invested and 45k in cash (pls no judgement, I know about inflation, that’s why I’m seeking advice), 15k in my retirement savings fund. Want to ditch my robo advisor and start investing as diversified as possible without having to buy single stocks. Any advice?

like

Can please anyone help to start doing investments into stocks? What iOS software do you use for monitoring and investing? What helpful websites can you recommend for diving into the investment world?

likesmart

Next year, my wife and I will make $219,500 between us. If we contribute $15,500 to a traditional IRA, will that bring our MAGI down and make us eligible to contribute to a ROTH IRA as a married couple?

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

is it better for me to invest in the stock market through a brokerage right now, instead of increasing my roth 401k?

So I've been reading about opportunity zones. Is anyone investing in the area? I had some questions I wanted to ask

Tendies? 😊 🤚💎🤚

like

I’m originally from Brazil and most of my investments are allocated there.

Brazilian fixed income products are paying 13.25% returns and I’m wondering if it’s a good idea to secure this return in Brazil or if now it’s a good time to build a portfolio with US equities?

(90% of my money is on my Brazilian portfolio)

like

Mortgage PITI payment would be about 50% of take home pay, but it fits easily within my budget. We max out 401k, HSA, and backdoor Roth. We also have about 150k in savings in case things get tight and saving an additional 1k per month. Is this still too tight?

like

What are things to know about buying and operating a laundromat?

likefunny

Does anyone do short term investing in the stock market (short term meaning 1day - 2 week trades) if so, what has been your best tool for research? Have you found this strategy to be worth it?

like

Heard on NPR Mktplc- Larry Fink - Blackrock CEO - 2018 Letter to CEO’s. He wants companies to make a positive contribution to society. How are you shaping investments for greater good? Tips?

like

What might be the ripple effect in real estate? When is a good time to get in?

like

Best robo advisors and why?

Tempted to buy DAL! Pros/cons?

like

31, $155 base, expenses 2300mo, 30k investment, only debt is 500k house. Is it too late? How far behind am I? If I throw all of my cash moving forward at investments and mortgage can I recover?

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

Where are my swing traders at??

like

Does anyone put money into CDs anymore?

like

Thoughts on Jumia stock?

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