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Staggering deposits into investment account?
Posted on 3/2/26 at 1:35 pm
Posted on 3/2/26 at 1:35 pm
Just got my yearly bonus (big amount). Do I stagger dumping it in to my investment account? $5000/week over several months, every other week, or just dump big lump sum in?
I’ve heard just dump it in esp long term, but with all the war stuff going on, is it better to be cautious and stagger?
I’ve heard just dump it in esp long term, but with all the war stuff going on, is it better to be cautious and stagger?
This post was edited on 3/2/26 at 1:37 pm
10
Posted on 3/2/26 at 1:36 pm to BabyTac
Invest in NFTs and quit posting
Posted on 3/2/26 at 1:57 pm to BabyTac
Take a look at all your accounts first. Checking, savings, HYSA, retirement accounts (it’s still early, so maybe knock out some contribution limit). If you’ve got any annoying high-interest debt, might be worth just knocking it out and never thinking about it again.
If all of that is solid then yeah, throw it into the investment account. No need to go full send in one day though. Let it sit there so when something dips, you’ve got dry powder.
If you’ve got more than you know what to do with, just park the extra in the HYSA for now. Getting paid while you figure it out is never a bad move.
Then of course you could get some new truck nuts to let everyone know you've truly made it!
Congrats on the bonus, chief.
If all of that is solid then yeah, throw it into the investment account. No need to go full send in one day though. Let it sit there so when something dips, you’ve got dry powder.
If you’ve got more than you know what to do with, just park the extra in the HYSA for now. Getting paid while you figure it out is never a bad move.
Then of course you could get some new truck nuts to let everyone know you've truly made it!
Congrats on the bonus, chief.
Posted on 3/2/26 at 2:01 pm to Snoopy04
quote:
If you’ve got any annoying high-interest debt,
Zero debt including mortgage. Honestly, not a brag, just looking for the best advice.
Posted on 3/2/26 at 2:03 pm to BabyTac
quote:
Zero debt including mortgage. Honestly, not a brag, just looking for the best advice
Real people that have the type of money you pretend to have, aren't asking questions like this.
Posted on 3/2/26 at 2:07 pm to BabyTac
You love putting in specific details about how much money you make as if anyone reading on this website is going to be impressed lol
Posted on 3/2/26 at 2:11 pm to SidewalkTiger
him and fareplay might be the same person. more money they than know what to do with, but know nothing about investing or the markets. 
Posted on 3/2/26 at 2:17 pm to DawgCountry
He "quit" the board in early February but apparently couldn't live without it.
Posted on 3/2/26 at 2:22 pm to BabyTac
Nobody knows.
I'd probably stagger.
I'd probably stagger.
Posted on 3/2/26 at 2:25 pm to DawgCountry
quote:
know nothing about investing or the markets
I’m very frugal but wasn’t raised in a household that knew nothing about investing. I save a lot of money and have figured out conservative approaches over the years but always looking for advice. I have my 401k and Edward Jones account with an advisor I could give or take and I dump money in every month. Always paid cash for everything because I was taught debt was the devil. Overall conservative strategy. $1M in 401k and $1M in Edward Jones.
Not really happy with EJ. They gave me in 100 different stocks. Doesn’t seem like it should be that complicated, but moving out would mean a lot of tax implications? Could use some advise there too.
This post was edited on 3/2/26 at 2:47 pm
Posted on 3/2/26 at 3:03 pm to BabyTac
quote:
Just got my yearly bonus (big amount).
You're such a lying douche bag on every board
Posted on 3/2/26 at 5:33 pm to BabyTac
I think historically, lump sum has beat DCA 66% of the time. That said, I DCA because I'm too chicken to lump sum.
Posted on 3/2/26 at 6:39 pm to BabyTac
Edward Jones sucks and there shouldn’t be any tax implications moving to a different advisor/institution if they know what they’re doing.
Posted on 3/2/26 at 7:38 pm to BabyTac
This post was edited on 3/2/26 at 7:42 pm
Posted on 3/2/26 at 7:41 pm to BabyTac
quote:
Not really happy with EJ.
dumb. u shoulda never ever been with them. did you not see enough threads here laying out how bad they are? zero excuse. you did not use this board properly. you failed.
Posted on 3/2/26 at 8:11 pm to BabyTac
DCA is psychologically easier for most but mathematically more often wrong than right. Lump sum all at once maximizes time in market.
Posted on 3/2/26 at 9:48 pm to BabyTac
quote:
I have my 401k and Edward Jones account with an advisor I could give or take and I dump money in every month
You should know you don't need an advisor. The Schwab robo advisor is making me 20% YoY with minimal expenses, and has for 3.5 years. Dump the money in now, you need to outpace inflation.
The shite I learned about investing as a kid about P/E ratios, etc. has been useless for more than two decades. Let your bot anticipate and follow the crowd. It's mostly about emotional reactions and not financials since at least the Clinton web bubble.
Posted on 3/3/26 at 4:29 am to BabyTac
For someone that supposedly is a high earner and business owner or whatever you claim to be you sure have a lot of low iq financial questions
Posted on 3/3/26 at 9:22 am to lynxcat
Last year I decided to be conservative and DCA 1k a week instead of lump sum in a similar situation. As a result, I largely missed the run up from April to October when S&P went from 4900 to 6700.
Oh well... live and learn (again).
Oh well... live and learn (again).
Posted on 3/4/26 at 4:11 am to BabyTac
quote:
Just got my yearly bonus (big amount). Do I stagger dumping it in to my investment account? $5000/week over several months, every other week, or just dump big lump sum in?
I’ve heard just dump it in esp long term, but with all the war stuff going on, is it better to be cautious and stagger?
You literally typed the answer yourself but you still had to ask the question
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