22 years old with 200k

Hey everyone,

Current an1 with 200k in savings sitting in the bank. Majority of this did not come from IB, I started a drop shipping gig in college and surprisingly it paid off (but fizzled out quick). Managed to save up the 200k and looking for the best place to park it/invest it.

Would love to hear from anyone who has done well investing. Mutual funds, S&P, real estate?

I’m all ears! Thanks!

 

Associate 1 in IB - Gen:

Just dollar cost into some low expense ratio mutual funds and ETFs dude. You’ll be amazed at how much easier it is to save additional $100k with that amount already saved. 


No mutual funds. But yes ETFs.

 

Lump-sum investing versus cost averaging: Which is better? (vanguard.com)

"Using MSCI World Index returns for 1976–2022, Finlay and Zorn calculated that [lump sum] outperformed [dollar cost averaging] 68% of the time across global markets measured after one year."

...

"The paper also examines the performance of [lump sum] and [dollar cost averaging] using a one-year investment horizon of a $100,000 initial investment across three portfolios: 100% equity, 60% stocks/40% bonds, and 40% stocks/60% bonds. In most historical market environments, investors would have been better off investing the lump sum."

 
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