Scared to do a lump sum of 3k into VTI … but also don’t wanna miss out ..? I know this sounds dumb.. I’m 29F

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do it baby

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I am 53 and lump sum whenever I have money. At 29 you realistically have 50+ years left. I don’t follow your logic. It is 3k. It will not matter. If the market drops 20% it is 600. If you need the money soon, don’t invest it and keep it safe. If it is for the long term invest it on Monday. Are you waiting for the market to go up before you invest it?

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When do you need the money? 3k lump sum or DCA will make approximately 0 difference in the long run

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If your mortgage plan is in a few months then keep the money in a savings account (HYSA), if more than 1 year then do I bonds

Then don’t. Do 1k a month over the next 3 months.

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don’t do it if it’ll freak you out. If you do it, don’t look at it for a year

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Weenie

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😘😇

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I bonds if you’re scared

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Wait till your FOMO is way higher than your FOLO before you dump all into VTI.

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Or don’t let fear drive any if your financial decisions and use your head.

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Why not use VT ?

Right. But why not choose the one that would be very slightly better. Plus many people may not want that much international.

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