What is the best strategy to invest $50K from year-end bonus? I’m only interested in passive investment (Betterment, index EFTs etc.)

1) DCA - eg invest $2500 per week for 20 weeks

2) Put all of them in immediately

The stock market is at all time high despite terrible economy. My concern of 2) is I might put all money in before a crash. Thoughts?

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Immediately. You can’t time the market.

Assuming this is a long term hold.

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If it's a long term play. All in immediately.

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Dollar cost averaging is ineffective long-term according to some research done by Schwab I think.. I would put 50% into ARKK and ARKG because they’re kicking ass with a good research to prove it. Then 25% into index ETFs and 25% into other funds in high yield dividends or REITs for diversification. Better yet, I would just choose 2-3 stocks you have a high long-term conviction on.

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Why do u think genomics are going to be the next fang? They are totally different businesses with different success levers.

DCA seems like the best plan as the market is at an ATH! If the market tanks, maybe deploy the money more aggressively (buy the dip).

Also, you might want to diversify while investing as well to negate the risk

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It’s easier to say, harder to do: put it all in now, if you want to keep it there for the long term

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All in on the ARK 🚀🚀🚀

But seriously, put in at least 50% now, and DCA the rest over the next 6 months if you're feeling risk adverse. This would reduce your expected value though.

ARK + Index funds mix is the way to go.

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It's quite something when all is on the ARKK now only when it's had this kind of year. Where were all of you 6 months ago?

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ARKK has seen 157% gain in 2020. Man with my luck in investing, it’ll start to go down as soon as I put money in

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I have the same feeling. The biotech ETFs (eg IBB) had 200% returns from early 2013 to mid 2015. I bought it in June 2015 when it was the highest 😂 and it went down since then, just climbed back in mid 2020 after 5 years. I could not hold it that long and sold off in 2019 when I needed to buy a house.

Over the last 5 years the biotech sector continued to innovate with good fundamentals but the ETFs were like dead water because they were so overvalued back in 2015. When I look at all the ARK ETFs and the companies in it, I have a feeling that it is going to crash soon (but I might be wrong - I’m just too risk averse lol)

Yeah if you’re really long term and talking about DCA over 20 payments, you could think of those payments as years instead of weeks. Time horizon always has to be considered. Assuming you will still be earning some kind of bonus in the coming years and stick to a plan of investing immediately, you have accomplished your goal of DCA and also not subjected yourself to risk of missing out on those sweet gains.

What would you have thought in March? Do the opposite of that

You can sign up for ark’s email subscription for free and they’ll send you their daily trades every evening so investors can do their own DD

If you have the 50K, just invest it right away.

ICLN

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