Reply to Investing a windfall in the stock market now? Dollar cost averaging? Lump sum? Wait?

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Reply to "Investing a windfall in the stock market now? Dollar cost averaging? Lump sum? Wait?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I suspect DCUMers will recommend taking the dollar cost avg path. I'd, however, wait it out little bit. Market is sending all kinds of warning signals that it is about to turn sour (yes, I know you can't time the market)... [/quote]

OP here: That's where I'm stuck! I know we should invest the money instead of having it sit in a money market account, but the market is at an all-time high and several indicators point to a downturn.[/quote]

The market spends the vast, vast majority of its existence near all time highs. [/quote]

Wow. I've been through 3 market downturns. Why am I pretty sure you don't remember the last one?[/quote]

Tell us where the market was when you started investing and where it is now after 3 market downturns (and probably something like 5-10 unnamed but very real market upturns)[/quote]

NP: I started investing in the mid 1990s so there have been two significant downturns and assorted other drops.  But I've just steadily added it in to mainly run of the mill index funds with a few individual stocks/specialty funds here and there at around 75/25 allocation for most of the time (in the 1990s it was 100% stocks as I was 20).  I added more when we were DINKS, less in grad school and the daycare years, back to more again.  I never "took money out" because of market timing.  My annualized returns are 9.3%.[/quote]

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