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+1 on ETFs. And I guess, think about at what point in the cycle you want to invest in equities. They are quite highly priced at the moment.

• kspaans 10y ago
  Market timing is a fool's game. Find out the right asset allocation for your personal risk tolerance and retirement goals, stick your money in, rebalance annually (contribute monthly if fees are low), and then sit and wait.
  • dharma1 10y ago
    As a general rule yes. But if you are thinking of sticking a large amount of cash in the stock market right now and plan to stay in long term, I would at least give it a shot in terms of trying to time it right in the cycle. Right now we are quite high in the cycle - 9 years from the last crisis, end of QE, slowing growth - so at least in my view, it's an asymmetric bet to wait and see. But what do I know.
    • toomuchtodo 10y ago
      > As a general rule yes. But if you are thinking of sticking a large amount of cash in the stock market right now and plan to stay in long term, I would at least give it a shot in terms of trying to time it right in the cycle. Vanguard says you're wrong. https://pressroom.vanguard.com/nonindexed/7.23.2012_Dollar-cost_Averaging.pdf https://pressroom.vanguard.com/nonindexed/7.23.2012_Dollar-c...
      • dharma1 10y ago
        Average