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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
Just know that people have been saying the market is overvalued for the last 10 years
Rising Star
You trying to get some bottles tonight in chi? Happy to brainstorm investment strategies with you
Rising Star
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
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…..
Yes I am considering all options
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