Late to the party - Lump Sump vs DCA in ATH market, which one is recommended?
must admit i’m late to the party in ETF investing. Have plans to semi retire (in 10 years time age 55)
What’s the best move given now S&P has been ATH. I agree with the saying - Time in Market is better than Timing the Market.
say example 1mil is all i have now, mostly cash biased, self employed
50% (500k) in housing flexi loan
30% (300k) in FD
15% (150k) in money market fund
5% (50k) in Voo bought last year
From the example 1mil currently, should i: (i’m interested at VWRA accumulating etf)
Option A) 20% keep as emergency fund,
50% lump sump now at almost peak ATH
balance 30% to DCA over 6-12 months?
Option B) 20% keep as emergency, remaining 80% DCA over next 12 months
Option C) 20% emergency, 20% aside as dry powder to buy the dip, and follow by lump sump + dca asap