I’ve been DCA into the market for last few months, but wondering how much you keep as cash in brokerage for neat investment opportunities (e.g, for a dip)? I’m auto investing into VTSAX monthly too.

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Each year, I set goals. I contribute $6k into my Roth IRA and invest that as soon as possible in ETFs. Then I DCA the $19.5k and $3.5k in my 401k and HSA. On weeks I don’t get paid, I invest $800 into ETFs. Any extra cash I have after (usually $2k per month), I keep in cash within my taxable brokerage and invest as I see opportunities.

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How long does it take to transfer from you bank? Mine is available for investment immediately, withdrawals a few days later, so mostly I just keep enough cash to cover any open limit orders.

If you have Bank of America and Merrill, the transfers happens immediately. It’s super nice.

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