| Key question is: When do you need the money? Depending on time frame is the key to deciding where to put it. How to put it, the best advise, and I am doing this myself, is to put it in a little at a time. For my needs, I have selected 8 places to put the money. Based on 3 different times to need the money. I then looked at each to determine where I thought they were going. i.e. money in emerging markets I will not put into until a year from now. Real estate and banking I am waiting to the start of summer. Others started a month ago. When I expected to be fully invested. For each I assigned now much in total I plan to put in. This gives me an amount over time to invest. Using your 80K, assume you wanted 3 pots. Pot A is 35K, pot B is 25K and Pot C is 20K. Assume you want to put pot A 35K in over the next 6 months - assumption being you expect the bottom of that market within that time frame. 6 months is approximately 180 days - or $194 per day - $1361 per week. So I would either once a week put in $1361 or every other week $2722. In your case, I would probably do it every week. I highly recommend vanguard. Plan two, follow Warren Buffets advice - he said when he dies to put in 10 amount in short term government bond fund for his wife to spend every year, and the rest in a S&P 500. https://www.investors.com/news/warren-buffett-sticks-with-tw... |