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Started By
Message
Investing ~90k today
Posted on 10/23/17 at 10:10 am
Posted on 10/23/17 at 10:10 am
If a couple has 90 grand to invest today, how would y'all go about investing it in mutual funds with the possibility of a decline in the market coming up? No idea if this will happen but it's still a concern.
Definitely need to max out roths but outside of that, what would y'all do?
Definitely need to max out roths but outside of that, what would y'all do?
6
Posted on 10/23/17 at 10:13 am to Belly
quote:
possibility of a decline in the market coming up? No idea if this will happen but it's still a concern.
agreed. under the mattress is the only way to go.
Posted on 10/23/17 at 10:26 am to Belly
There is always a possibility of a market decline coming up. Always.
What is your time frame?
If it's a year, cash, money markets, and CD's.
If it's 30 years, and you're worried, use a moderate risk approach and switch to aggressive when your prophecy comes true.
What is your time frame?
If it's a year, cash, money markets, and CD's.
If it's 30 years, and you're worried, use a moderate risk approach and switch to aggressive when your prophecy comes true.
Posted on 10/23/17 at 10:28 am to Belly
Dollar cost average into the market, $7,500 every 2 months for next 2 years.
Posted on 10/24/17 at 9:21 pm to GoIrish02
Well that's a terrible decision if the market stays on this trajectory for the next two years.
Posted on 10/24/17 at 9:52 pm to Belly
TIne horizon, current investments, and risk tolerance would help getting you pointed in the right direction.
Posted on 10/24/17 at 9:58 pm to GoIrish02
That’s a long arse time to get fully invested.
Posted on 10/24/17 at 10:04 pm to Mr.Perfect
quote:
Well that's a terrible decision if the market stays on this trajectory for the next two years.
That's the problem; if is the key word there. If I knew 100% what the market was going to do; I'd be able to retire already.
To the OP, it's not if the market will tank; it's when. Could be years or it could be weeks. Though I love when the market tanks as I'm of the mindset to buy even more.
Now if it was me; I'd invest all of it now. If I wanted to be conservative, I'd invest 40k now and do 10k chunks every couple months. Also, I wouldn't recommend 100% in stocks either, but that's a whole other conversation.
Take a look at this. It's helped me stay the course and not worry about if I'm investing when the market is high.
https://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/
This post was edited on 10/25/17 at 1:49 am
Posted on 10/24/17 at 10:51 pm to Belly
Buy VTSMX and forget about it. Stop worrying about short term dips. If the market completely tanks, the entire would will collapse. So invest it ASAP.
ETA:
My parents starting investing for me at an early age, so it has been somewhat of a hobby of mine. The only time I have ever been pissed is when I didn’t invest. Every time the market has dipped, I always buy more.
ETA:
My parents starting investing for me at an early age, so it has been somewhat of a hobby of mine. The only time I have ever been pissed is when I didn’t invest. Every time the market has dipped, I always buy more.
This post was edited on 10/25/17 at 8:22 am
Posted on 10/25/17 at 1:24 pm to Mr.Perfect
As another said below, I understand I don't know the future, unlike your assumption of ever growing markets.
DCA will get you invested over the horizon you're comfortable with, buying the right amount of shares at the most efficient price over that horizon.
OP is scared to invest at the current level, so DCA is the best method. He can choose his own timeline.
I'd echo the same advice below, investing half today and $10,000 ~ 12,000 per quarter over the next year.
DCA will get you invested over the horizon you're comfortable with, buying the right amount of shares at the most efficient price over that horizon.
OP is scared to invest at the current level, so DCA is the best method. He can choose his own timeline.
I'd echo the same advice below, investing half today and $10,000 ~ 12,000 per quarter over the next year.
Posted on 10/25/17 at 7:31 pm to Belly
Go to Morningstar and take a look at Vanguard Wellington and Vanguard Wellesley.
Look at Performance for 1, 3, 5, 10 and lifetime returns.
Look at Performance for 1, 3, 5, 10 and lifetime returns.
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