Planning to invest $50k in S&P500
I invested $12.5k today, and plan to invest:
-$12.5k at the end of September
-$12.5k at the end of October
-$12.5k at the end of November
Does that make sense / am I making a big mistake? Any thoughts are very welcome
I am planning to hold long term
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Time in the market > Timing the market.
Personal & professional opinion: Market hasn't bottomed.
Thanks very much - So you agree with my above strategy?
Also when do you expect market to bottom? My bet is around end of this year (we will have a lot of issues this winter with energy prices)
Agree with above. Assuming you're in your 20s, just put the money in and don't worry about getting the exact lowest price. Even if the market immediately drops 30%, by the time you retire that'll be a rounding error
Have also seen research out of GS that missing the top ~20 market rally days in a cycle is significantly worse than buying in right before a dip - not explaining it as well as they did, but the TLDR was to buy in and forget about it instead of trying to time the market to the absolute bottom
Thanks very much - So you agree with my above strategy?
If you have the $50k in cash from a bonus or something like that, I'd personally just lump it all in and literally not look at it for 10 years except to reinvest dividends - there's no real reason to invest it in smaller chunks. But if you just prefer to layer it in over time that is okay too.
Please can you share that GS report? Thanks!
It was very long ago and was through GS equity research so I doubt it's out in the public
Wait until early 2023 before investing, markets are crashing
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