Again lump sum investing is the way to go just invest in a fund or group of funds with a beta of 1 or under, then if the market drops switch to higher beta funds and ride it out. I don't like bonds unless you are talking Tips or something , besides do you really think interest rates can go lower?
----Again lump sum investing is the way to go just invest in a fund or group of funds with a beta of 1 or under, then if the market drops switch to higher beta funds and ride it out.---- i like this idea. Thank you!
Of course just make sure those higher beta funds , small caps , emerging markets or whatever you choose have taken substantially greater loses than your original investment. As long as you are not on margin this type of market timing cannot go wrong (unless you panic).