Anonymous wrote:For long term, yes. For near term, no. Market is near all time high

This guy is on the mark. Do not buy at new All time high which was hit this week. Just think about it.

The ATH high will be sold. Buy a little bit (10-20K) on red days is best. Example is market is down 1-2 percent on the day. Good day to buy a little.

Don't buy when the market is up 1-2 percent and especially at ATH.

If bought all 100K today, there is very good chance it will be worth 80K in the next 6 months.

Anonymous wrote:

Anonymous wrote:Our financial advisor said to do a mix of mainly VTI and some VXUS.

Thats a little bittersweet. On one hand, its nice your FA puts you in low fee index funds. On the other hand, he's likely charging you an AUM fee to allocate your money the same way Bogleheads suggests using a three fund portfolio...which you can do yourself...sans AUM fee.

Most real financial planners use low cost funds. Picking investment funds is about 5% of what a financial planner does. Bittersweet that you have no clue what a financial planner does. If you did, you would run and get one yourself.

Anonymous wrote:Overall, timing the market is a bad strategy. So maybe just DCA into it in $10k chunks twice a week: Tue and Friday. It'll take you about a month to get all 100k invested. But investing all $100k today is also good. After that, add to it if additional funds become available, but other than that, I would look at it once a year and not worry about daily ups and downs.

I would do this approach, or some variation of it. Just so you don't second guess yourself saying "if I only waited a day it would be worth more now". After 10 years or so it would be unlikely to make a difference, though.

Anonymous wrote:

Anonymous wrote:Our financial advisor said to do a mix of mainly VTI and some VXUS.

I hope you don't pay much for that level of creativity from your FA!

VXUS is frustrating though. Roughly 1/3 the return of VTI over the last 5 years. Is there a chance that international stocks will outperform domestic stocks in the future? sure. the thing is, that will be well choreographed and the rotation will take a while to play out - meaning you will have time to react. To each their own, but I'd rather be overweight domestic, make the higher returns, and shift when I start to see the change.

I love that no matter how many times people get told they can't time the market, everyone thinks they can time the market.

Anonymous wrote:Our financial advisor said to do a mix of mainly VTI and some VXUS.

I hope you don't pay much for that level of creativity from your FA!

VXUS is frustrating though. Roughly 1/3 the return of VTI over the last 5 years. Is there a chance that international stocks will outperform domestic stocks in the future? sure. the thing is, that will be well choreographed and the rotation will take a while to play out - meaning you will have time to react. To each their own, but I'd rather be overweight domestic, make the higher returns, and shift when I start to see the change.

Anonymous wrote:For long term, yes. For near term, no. Market is near all time high

And now?
With the rate cut?

Anonymous wrote:For long term, yes. For near term, no. Market is near all time high

Wait 6 months?

For long term, yes. For near term, no. Market is near all time high

Anonymous wrote:Our financial advisor said to do a mix of mainly VTI and some VXUS.

Thats a little bittersweet. On one hand, its nice your FA puts you in low fee index funds. On the other hand, he's likely charging you an AUM fee to allocate your money the same way Bogleheads suggests using a three fund portfolio...which you can do yourself...sans AUM fee.

Well vtsax is a total market tracker while swppx is just the sp500. A more direct comparison would be voo vs swppx or vtsax vs swtsx. The expense ratios for schwab and vanguard are about the same.

Our financial advisor said to do a mix of mainly VTI and some VXUS.

What is the difference between SWPPX and VTSAX? Which one is better to buy?

It is perfectly reasonable to dump 100k into VTSAX today (regardless of what day today is). You could also buy 10k a day for the next 10 days or 10k a week for the next 10 weeks. Anything much longer than that and the lost potential earnings from not being in the market start to add up.

Anonymous wrote:VTI is more tax efficient.

VTI is not more tax efficient than VTSAX— Vanguard uses the same approach for managing distributions for both

it likely doesn't matter for OP which he chooses. The likelihood of him/her wanting to move the money from one brokerage to another is slim (ETFs are easier to move)

If its set it and forget it, the mutual fund is better, as the dividends can be setup to automatically reinvest.

S0me brokerages charge higher fees for mutual fund trading than stocks/ETFs. Again, if OP isn't going to trade in and out, the mutual fund is fine.

If OP ever wants to automate adding more money in, doing that with mutual funds is easier.