What's your approach to investing bonus cash - time in market or DCA it? I normally DCA but wonder if it's better to put it in early if it's a bigger sum of cash sitting around (40k) which could take me a few months to slowly invest

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Don't try to time the market. When it comes to a bonus or other windfall, put the money in when you get it - don't wait and hope there will be a big correction.

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Agree with SD1. Put it all in immediately. You’ll be glad in a few months

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You won’t know until later which was the better option. Historically investing it all right away was statistically better

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I DCA over the following three months

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Ugh dealing with the same thing but with a rollover 401(k). I know I need to just put it to work but now just worry about which ETFs and where my exposure is in other funds

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Take a step back and look at the bigger picture. If you take $40k and put it into the market all at once every year at this time, isn’t that also DCA? It’s just at a once yearly interval.

My approach would be to just dump it in, forget about it, and don’t lost sleep over it.

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I use Acorns (not the round up feature) and it just invests a set amount for me every day. I honestly don’t even notice it and don’t have to track it but it’s nice to know that you’re DCA’ing daily

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