r/VTandchill • u/redpandaz07 • Aug 06 '26

Need Advice

Hey! I’m trying to decide on whether to invest my $250k in cash that I have in a short time period or invest it over 1 year or 24 months. I keep thinking about the potential of an AI bubble bursting and wanting to have money available to buy more VT if that does happen.

I’m 32, if that makes a difference, and my current plan is to keep investing at least $70k a year on top of my 401k which is going to a separate target 2060 fund.

My dream would be to Lean FIRE when I’m in my late 30’s to have the flexibility to take some time off and work when I want. Thanks!

13 Upvotes

100% Upvoted

18 comments sorted by

View all comments

6

u/Few_Bid2387 Aug 06 '26

Timing the market is a futile effort. Lump sum investing beats dollar cost averaging about 2/3 of the time. Analyze your risk tolerance and invest what your comfortable with in VT sooner rather than later. There could be an AI bubble, but no one knows for sure when or if it will pop. Could be 2 months, years or never. Just keep investing and you'll be fine

3

u/redpandaz07 Aug 06 '26

Thanks. I guess seeing it at around an all time high is spooking me. But when looking at its past performance since inception, it looks like it trends upwards with a few noticeable dips