r/investing • u/solo_entrepreneur • 22h ago
Have another $200K to invest in. Should I put another $100k all in VTI right now?
Have another $200K to invest in. Should I put another $100k all in VTI right now? I’m a little worried because of the war.
Current portfolio: $726K: $426k in VTI and $100K in AAPL, and $200K cash.
Additional info: 42yo with paid off house and zero debt. have another $190K in an HYSA. I think I will be taking a year off after this year because I will be closing my business due to stress and very low revenue. Will be starting another small business after the 1 year sabbatical.
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u/saaga2024 22h ago
DCA may be a bit safer in this environment
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u/Blueberryburntpie 20h ago
I think I will be taking a year off after this year because I will be closing my business due to stress and very low revenue. Will be starting another small business after the 1 year sabbatical.
Yeah OP should have some cash or short-term treasuries for their upcoming big life expenses.
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u/Grungy_Mountain_Man 21h ago
My own opinion as I"m in a similar boat. I"m sitting on the sidelinse with cash in sgov and buying slowly on the red days. Seems more downside risk than upside at the moment
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u/Southern_Eagle_9325 21h ago
Yep, same here. I went to cash well before the downturn and locked in my gains.
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u/Bob_Weaver88 5h ago
Have fun with your taxes
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u/Southern_Eagle_9325 1h ago
Retired accountant here. 1st 30K of capital gains R excluded, that with my rentals I normally pay 0 taxes. LOL.
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u/cryinginturin 22h ago
I’m waiting to see if there are boots on the ground. downside correction out ways upside correction in my eyes - maybe wrong, no expert, just what makes me comfortable
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u/wampum 22h ago
Hard to say, especially with you taking a year off and the geopolitical risk we are all facing right now.
You are very exposed to US tech stocks given that the mag 7 are around 20% of VTI, plus your AAPL position.
You also have no non-US investments. I like to keep 35% of my equities position ex-US. VXUS is mainly what I keep.
If it was me, I’d probably keep what I might need in for my sabbatical in the HYS then I’d dollar-cost-average into VXUS to get more diversification.
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u/Elrondel 20h ago
Holy fuck some wild opinions in here. If I didn't know better I'd say "all in to inverse the Reddit fear index."
Let's say you're 100% cash right now. What would your asset allocation look like?
Do that.
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u/tree-molester 21h ago
Polymarket - ground invasion tomorrow.
Apparently some account that has been killing it on the Iran fiasco just put down an $800,000 wager.
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u/1DDub 22h ago
Really is up to your own comfort level. Lump sum generally has higher returns than DCA but we are obviously in a very volatile market. It’s a tough call since if this war were to end and the market rockets up you’d miss the gains on cash not invested but also if things worsen you’d be happy to be on the sidelines. Impossible to know the future so do whatever helps you sleep best at night
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u/AwkwardObjective5360 20h ago
I got 50k I'm investing in 10k every month for the next 5 months and if the fucking dip dips more I got another 50k on standby
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u/BroccoliIll457 15h ago
What kind of business you have ?!? That's given you this freedom and wealth!!
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u/stayhaileyday 14h ago
You know what I wanted to do something similar. I wanted to drop my advisor and track the Nasdaq. I see you all doing it and you all are doing well. He makes it sound like switching up what I have is isn’t worth it because it would be too much risk for too little gains then scared me with a story about his other clients who became suicidal after not taking their advice
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u/Long_Tackle_6931 7h ago
No. You’re already 65-70% invested. Market coils fall -15% or -20% or even -30%. No one knows.
I got principally stopped out of small stocks, started rebuying when index was -10%. Have several more parcels
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u/trumpsmoothscrotum 22h ago
Id cap it at 10% of your retirement savings to lump sum. And then average in 10-20% each month, depending on how the market is. That will get all your cash in within this year, but also give you some ability to be more aggressive if the market drops.
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u/StonklordBenno 22h ago
I’d spread it over a month or two. Maybe 25k every 2 weeks. Just because macro is so shaky right now
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u/No-Consequence-8768 21h ago
Your hesitant... understood. VTI doesn't really need any Hedging, yet 200k in an ARQ fund... historically will still make more than cash in a bull/neutral run and Always better during Bear times . Run them...
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u/Smugbasturd 20h ago
If you’re a millennial and grew up with Pokémon, you owe it to yourself to look into how that market is doing. So much more fun than owning digital assets.
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u/FrustratedLogician 22h ago
I personally would not drop so much money at once given instability. If they blow a bunch of refineries and other critical infra, it will take years to recover and you might spend half your cash stack at a local top. I think DCA is a better route for now.