Stock Market is the bottom in?

[Westwind]

A common question- I come into a sum of money that I intend to invest. Should I invest it all now in a lump sum or “dollar cost average”, which means spread out the money by investing a portion of it over time. This article indicates that 68% of the time investors would be better off investing the entire amount in a lump sum.

My thought is especially if you are making monthly contributions, you are already “dollar cost averaging” and you have built in protection against market downturns so lump sum investing a windfall makes sense most of the time.

Invest Now or Wait? 🤔

Do you invest all your money now or do you spread it out over time?

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Folks know a ton more than me. Is this money taxed this year? Real estate gains... Buy another property to hide the gains. That sot of thing. Certain things done with money during an Inheretance can effect how its taxed.

That stuff aside. Stock market is hot, perhaps hot n bothered...... I don't see these gains as sustainable. One day a tech stock dives 2week later its making 5-10% gains a day. Meanwhile a good company with stable quality earnings thats finnacial sound gets dumped on by investors.

I'd do one of three things. Use cash to buy real estate if the market pops..... I am sorta doing that, but will need a loan for a vacation rental in NC. Loans might be the problem down the road. Don't want my own home as collateral......

Put you cash in something stable like a consumer defensive ETF or some stable stocks, then trade those stocks when you see something you want to gamble on.

Barclays has a 3.8% savings account. Other banks than your local one can be decent. Put it in there and use the 5% rule. Research a stock, looks good, only use 5% on that one.

MY wife might be right leaving it to professionals. Watching my phone when I get a minute is not watching it enough today..... Looking at good ETF's and see what they put their chips in isn't bad play either. Either use the ETF, or pick choice out of their buffet. Good stock with bad luck, or just the low tide of a market downturn.

Any keeper stocks I getting some professional word of mouth. Like my wife works with oracle and crowdstrike alot for her company. I know the trends in power generation somewhat. Know who good, whos overpriced, who keeps it in stock. Brother in law knows farming trends. He told me mosaic wasn't a good pick..........

You wanna put the foot on the gas down this new road, but you feel there's a sharp turn ahead......