r/Bogleheads•
beth7474

Lump Sum Cash into market vs DCA - my "strategy" - need feedback

SO I HAVE A WINDFALL + liquid cash (500k THAT I WANT TO INVEST, AND STUDIES SEEMS TO SUGGEST TO INVEST IT ALL NOW.

I was thinking moving most /all INTO VOO, EVEN THOUGH THE MARKETS ARE AT "ALL TIME HIGHS". SO INSTEADS OF WAITING FOR A DOWNTURN THAT MAY NOT COME ANY TIME SOON, I WAS THINKING OF INVESTING IT ALL NOW OR MAYBE IN A FEW BIG CHUNKS TO DOLLAR COST AVERAGE / MARKET TIME A BIT.

AND IF THE MARKET DOES CRASH AFTER I INVEST THIS LUMP SUM, PERHAPS MOVE IT FROM VOO TO VT, SO THAT I CAN TAKE A CAPITAL LOSS, YET STILL INVEST IN A VERY SIMILAR ETF, WHILE NOT TRIGGERING THE WASH SALE RULE. That might make me more comfortable doing it.

Thoughts? Other ldeas?

(Sorry for caps. Keyboard screwed up )

Posted Sep 2, 2025, 3:31 PM UTC

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