[USER]

I just received a small windfall (low six figures) and would like to invest it.

Normally, I would just stick it some mutual funds / S&P or treasury bills, but given all of this uncertainty in the market and our current administration, I’m more inclined to stick it under my mattress under me in my fetal position.

What is everyone else doing these days?

[Jule]

I’d invest it in a fund that tracks the S&P. Especially while the market is low.

Or would you feel more confident buying in times when the market is high and you’d have to pay more per share?

[Bassel]

Dollar cost average. Pick a period: 6 months, 1 year, 5 years. Invest equal amounts each month.

If the market goes up, you started buying at the right time.

If it goes down, you’ll be buying on sale.

[Leona]

If I got a windfall in that amount I would put 90% into VOO or VTSAX. 10% bulk up my emergency fund.

If you’re worried about volatility I’d DCA over a few weeks/months.

[Richard]

How long do you need to keep it in there before using it. That should help answer your question.

If it’s 10+ years don’t worry about a volatile market.

[Josh]

Don’t exactly have a windfall I just came into as much as saving a ton of money from last year. Just opening retirement accounts now for first time.

regarding dollar cost averaging seems like the smartest move.

I don’t want to dump it all in this month in case this thing gets much worse (which many obviously think it might, Trump only bringing a lot of issues to the foreground and accelerating a crisis), so if I stagger it over this year and continue investing through the next few years I’ll buy some shares high and some low but I can at least win from a downtown.

I’m actually viewing what is a likely coming recession as a huge opportunity to buy discounted shares and accelerate my investing in a few years from now.

But who knows

Strategy I’m thinking the basic VTSAX route (at least so far) but I listen to enough macro and gold guys for fun that really make me consider gold or gold mining stocks.

[Zhanna]

I think it’s time to invest now (at least a portion) since the market it’s down.

We should Recover hopefully soon and you might miss the opportunity

[David]

Put it in different places. 25% high yield saving, 25% cash, 25% VOO, 25% Bonds

[Mitch]

Honestly money market funds are still paying decent. Should mostly protect you from inflation and losses.

Just let it sit for a while, maybe DCA a little.

[Jhon]

In the current market discount, make some medium- to long-term investments.

If it is just placed under your mattress, it will not bring you any value and make your money work for you.

[Brian]

I’d mattress cash that windfall. Keep it out of the market for at least 10 years and then reevaluate getting into the market.

[Dominick]

It depends what your current circumstances are and what your financial goals are.

[Author]

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