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[quote=Anonymous]Figure out what asset allocation you are comfortable with.  So first decide what you want as an emergency fund (and I agree a great place for that money is to gradually invest in i-bonds).  Then of the remaining, you need to think about how much you want in the stock market vs other places.  You might try  Vanguards asset allocation tool  (but take the results with a grain of salt-- maybe vary your answers to see how the results vary, and note that you don't have to stick to 10% bands the way it does).

https://personal.vanguard.com/us/funds/tools/recommendation?WT.srch=1

Once you have an AA that you understand the reasons for it, and you are comfortable with (sleep well at night), I would gradually move things over, say 10% per month, or per 2 months.  That way you will smooth the impact of intervening changes in the market for better or worse. (Another way to think about this is, would you feel worse if the market went up while you were doing this, or if the market went down.  If you would feel worse if the market went up, then you might want to do larger chunks, or even all at once).[/quote]

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