First investment

[SasuT]

Hello, I received my first big check and want to make this money work instead of sleeping in the bank.

Actually I have 100k usd to invest right now, and then 2-3k$ every month.

Obviously I'm here for the long term and will not need the money any soon. 15-20 years.

My only question is, should I invest those 100k right away? And then DCA like I said 2-3k every month? Or should I split the 100k and invest it progressively ?

I'm all in SP500.

Thanks

 

[thomasparra]

I am in the very same position. I put this money in US T bills yielding 5.3% on average at the moment. Stock market at all time high. What is your AA?

 

[JohnnyDoe]

Always diversify and don't try to time the market. Regular monthly additions will smooth out all spikes over the long term, it's an ideal position to be in.
You can take inspiration from The Johnny Doe IBKR portfolio

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@JohnnyDoe ”“ Your #1 Source for Guidance in Different Offshore Fields​

 

[uranium]

SasuT said:
Hello, I received my first big check and want to make this money work instead of sleeping in the bank.

Actually I have 100k usd to invest right now, and then 2-3k$ every month.

Obviously I'm here for the long term and will not need the money any soon. 15-20 years.

My only question is, should I invest those 100k right away? And then DCA like I said 2-3k every month? Or should I split the 100k and invest it progressively ?

I'm all in SP500.

Thanks
Click to expand...

In my opinion
Invest all 100k in SP500 = Voo (0.03%) cost
Dca 2-3k into Voo.
Some might think it is not diversified but I personally believe in the US economy.
If you want to play safe, go for VT : Vanguard Total stock market, you will own piece of every valuable company in the world but you make less than Voo.
As Warren buffett said: don't bet against America!

 

[jkl197]

so you guys when playing poker go ALL IN at the first round?
surerly diversification is important and dont try too hard to time the market, but all in sp500?
there are other type of investments to consider even simply through ETFs: real estate, commodities, bonds.
Some markets could be in trouble now (e.g. China) but could be a great buy opportunity in 2 or 5 years time, who knows.
You wish to buy sp500 on the all time high? Good luck

 

[uranium]

jkl197 said:
so you guys when playing poker go ALL IN at the first round?
surerly diversification is important and dont try too hard to time the market, but all in sp500?
there are other type of investments to consider even simply through ETFs: real estate, commodities, bonds.
Some markets could be in trouble now (e.g. China) but could be a great buy opportunity in 2 or 5 years time, who knows.
You wish to buy sp500 on the all time high? Good luck
Click to expand...

https://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/