How I'd Invest Large Chunk of Money: Lump Sum Vs. Dollar Cost Average

How to invest an inheritance or how to invest a large sum of money at once. The stock market is where the rich get richer and so more money could mean higher profit! Here is how to invest and my method of investing for long term wealth and high profits in the stock market.
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[@TitleWaive1]

I received a sizable inheritance in January. I struggled with this question. I invested most of the money over a 2-month period. I'm currently up 10% overall for the year, so I'd say that's a win. An important thing to consider is if you have a brokerage account that offers a cash holding fund making 4.5%+ yield, the cash is working for you at a good rate while you make decisions on what to invest in for higher returns.

[@NolanGouveia]

Great point! Thankyou for sharing

[@chempowr]

Yes but taxes are higher on them which helped me decide too

[@margaretr.4427]

Similar situation for me too! Went with money market account while I tried to figure out the best move. Watching a lot of KZbin videos like these have helped increase my knowledge a ton.

[@NOTurbuisness-r5q]

@@NolanGouveiayou should do more about these bots. Or at the very least warn people about it. Consider your black eye a warning

[@Atrus999]

I ended up doing both. I invested a lump sum at the beginning then added to it every month.

[@NolanGouveia]

I like that hybrid!

[@TJSpike]

Unfortunately, im not inherenting shit, but the video is still good proffessor g😭

[@Elsesorensen]

I am a Nurse and have been investing for a few years. I have reached a point where I could benefit from financial advice to improve my $200,000 portfolio for retirement, how do I maximize my ROI?

[@makeamericagreatagain-d8g]

You didn't provide detailed information about your portfolio makeup. However, I recommend seeking guidance from a financial advisor for a well-informed portfolio restructuring.

[@user-3456rtu]

Opting for an inves-tment advisr is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2023

[@fortnight-w2y]

I need to ensure I have enough money to survive on. How can I consult your advisor? My retirement account isn't performing well.

[@user-3456rtu]

"Melissa Elise Robinson" is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

[@LeonDeniger]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks

[@arigutman]

A great question I feel many investors get stuck on before they start to actually invest. I must say it can be daunting, but the short answer is just start where you're comfortable as the good old saying goes, "time in the market is better than timing the market."

[@cribbage1686]

Ok young man, I’m going to take your advice and lump sum approximately 1/2 of my available cash now and then start DCA the rest over the next year. I’m retired and probably much older than the most of the people that follow your channel. I certainly agree with what you say and wish I had found your channel years ago. It would have saved me a lot of money and disappointment. Perhaps I will reach out to you in the future to discuss a couple of my issues. Keep up the good work.

[@dadaustin4570]

I’ve done DCA and is king of investing. Difference is if an etf or stock drops 20% on the investment day,,, I double down my investment amount…. Wait until next investment date and resume or double down again. This accelerates the balance being in the market if it turns

[@user-vs3nt8ch2q]

how many etfs have dropped 20% in a day in your lifetime?

[@dadaustin4570]

I’m holding ARKK & PBW to name a couple that have tanked. These are down 65% and 83%~ I’ve stopped buying these down tho

[@christophecaron7105]

I also struggled a lot with this question lately and after making lots of research, I decided to go hybrid. So thanks for your video, it reassures me!

[@kev13nyc]

keep pumping out those financial informational videos Professor G!!!!

[@NolanGouveia]

Will do!

[@ericmoore529]

Could we have a video on Banks vs Credit Unions? "If it seems too good to be true, it probably is", yet credit unions have some really high APYs and other benefits. So what is the catch? Is there one? Is it riskier to store your money in a credit union? What is the difference between them and banks? How does this all work?

[@nunyabidness1972]

I'm DCA a sum into the market over the next couple of years. Spent 25% of the cash starting my main ETF positions at the beginning of 2024. DCA the remaining 75% in equal amounts each month until the end of 2025. I try and catch a red day towards the end of the month if possible. If I haven't caught a red day by the last trading day in the month, I just go ahead and buy my preset monthly dollar amount then. Mainly VOO/SCHD/SCHG. A smaller percentage into SOXQ, XLK, DGRO, and COWZ. There is some overlap here, but it's within the same sectors of my portfolio that I have a set % allocated to.

[@TheOriginalTucriah]

I'd lump sum 1/3, then dca daily and throw more in every time i saw red.

[@NolanGouveia]

Nice option!

[@abuibu]

I had this predicament and got a little greedy with it. Only started investing this year in late May. Markets were making all time highs time and again so I threw all my money in there at its peak in early July with a heavy focus on tech (Nvidia, SMH and QQQ). The second half of July was brutal and I was immediately in the red, then Black Monday happened and everyone was talking about recession and many of my stop losses hit and took me out of positions I didn't want to sell. I then decided to throw the cash i got back from sales into shorting the market just as it bounced back immediately. It's a mistake and gamble I'll never make again. In future, I'm still heavily in the red since my investments and will need a year and a half of solid growth to get back those losses and see green again. I'm working so much harder to make more money to try and build up enough cash so if another crash comes i can buy stocks and ETFs cheap.

[@SamanthaRosalie-e2g]

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Brooke Miller.

[@norbi147]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@stephaniebeddis8069]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@shandegabrielrojas9350]

I'm surprised that you just mentioned and recommended Brooke Miller, I met her at a conference in 2018 and we have been working together ever since.

[@sole27ore]

I'm new at this, please how can I reach her?

[@ValentinAntonio-wo3vb]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@Jasonpayne1-z6u]

Hit 110k last week, lost over 14k today

[@JonathanEasley-q6m]

Just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying it’s ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $450k gains within months, l'm really just confused at this point.

[@HermanBenjamin-n3d]

I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience

[@BarbaraBoggs-u3w]

Heard someone mention a couple making around $120,000 during the recent Bitcoin pump. How're they doing it?

[@HaroldAlbert-p3d]

I read on CNBC about someone who is netting $20k a month himself from just his tradings in the market, which is from capital he had amassed long ago. That is incredible. How do people do that?

[@EdisonPatrick-z3f]

You need a pro that is good at navigating the market. Someone like Angela Reinhard

[@stillhopeful7048]

This episode is very on-point and valuable to me, personally. As always, thank you for educating me!

[@MannySimoneCards]

Man your timing with these videos is impeccable

[@NolanGouveia]

🙏🏆

[@sgtfish49]

Excellent commentary, G. Thanks.

[@NolanGouveia]

You’re welcome!

[@CaptainProx]

Every situation is different of course, but if I have a lump sum I prefer the hybrid approach of investing some of it right away and then DCA the rest

[@peterolson5317]

You should have included the scenario of the money being a rollover from a 401k. It is more realistic than an inheritance.

[@benjaminguzmanuribe7680]

I remember this same video a little more than a year ago. But reminders are welcome 💪

[@jollama]

Combine both. Dollar cost average on a schedule fit for you while investing in a lump sum whenever you spot a dip or two

[@JinnTuXoXaan]

My best method is DCA. While the large chunk of money sits in a HYSA, I would set up an auto buy every month for a certain amount until that large chunk of money has been completely invested.

[@NolanGouveia]

Love it bro

[@nickjames6813]

Great video idea. Thanks as always Professor G! have a good weekend - Nick

[@NolanGouveia]

Thanks Nick!

[@一点一滴学英文]

Thank you Professor G. I invested Reits stock after I watched your videos one month ago and I got the first month dividend today and the reits shares prices are up

[@NolanGouveia]

Amazing!

[@shayne131]

Soak a cloth in hotish water, ring it out and fold it in to a square, make sure you don't burn yourself, apply cloth to your bruised eye area until cloth goes warm to cold. Do it a couple times a day. Bruise will be gone in no time.

[@NolanGouveia]

Does this really work?!

[@robertmartell9598]

It usually takes about two weeks to heal, Nolan. Ice and cold compress the first 2 days. Afterward, warm compresses will help reduce it faster. The advice above is excellent. Trust me, it works!

[@shayne131]

@@NolanGouveia yes mate, I've cleared up a couple of black eyes quick with it. Add a bit of light pressure also. Have the cloth as hot as you can handle with out burning. Apparently the heat helps break up the bruising and get the new blood flowing in a low flow area. I'm no Doctor, but this old boxing coach told me to do it and it worked a treat for me.

[@mikeyis009]

Nice. I put 3 of 6 in last month in SCHD sub $80. Love your idea for the other 3.

[@urbanrunoff]

i'd do hybrid too but add some flexibility to my DCA. i'd buy more on pull backs and not a strict monthly schedule. Personally i'd also use it to balance my portfolio and maybe add to some more conservative positions.

[@dodgervision1]

Professor G, maybe one day you can show us your book collection behind you. Mucho Gratzi!

[@mjs28s]

I am all in all the time. I say that with the note that I invest in companies and sector etfs, not "the market" via SP500 or total market type index funds.

[@thomassittinger8150]

I had $50k in a high interest savings account. A few days ago I threw down on 50% SCHD and 50% SCHG, $30k total. I’m going to DCA $1k every two weeks, unless we get a huge drop, 15% or more then I’ll throw it all in at once.

[@mrtremble999]

good stuff as always G👍

[@NolanGouveia]

I appreciate it!

[@JohnJohn-nt9mf]

Lump sum 1/2 and then DCA the other 1/2...

[@ThomasPatti]

Professor G I feel like this video was made in perfect timing for me. I’m selling my commercial building and receiving a nice lump sum next month. Thank you so much for the information. Btw the black eye in BJJ is only the start 😂 . I’ve been rolling since 2017 . If you ever make it down to Palm Beach hit me up! Will gets some rolls in at Burns Jujitsu. Oss 👊🏼

[@NolanGouveia]

Amazing my friend and definitely will do! OSS!

[@angrymechanic5529]

I feel best about investing large lumpsums when the SP500 is at or below the weekly 200dma, otherwise DCA is best.

[@Olvera_emi]

Thoughts on the buffet indicator?

[@kenjohnson1594]

Great video. Thanks as always

[@Hazel66781]

Why not put the money in a brokerage, such as Fidelity. Have the account as a money market to take advantage of the interest rate. Use the money to make option trades, mainly selling options, such as cash-secured puts and covered calls. To me, this would make more money than simply DCA. What are your thoughts?

[@StitchyDaze]

BJJ is the deal! Heal up! Appreciate all your tips on your channel!

[@NolanGouveia]

Thank you!

[@timdog1863]

Good information. Thank you.

[@jasonwright1861]

thanks man

[@haydenmartin7941]

Wanted to re-up my question: what is the difference between investing in VOO vs SPLG? Is there a reason an investor shouldn’t be investing in SPLG over VOO

[@kamille.8692]

I love this channel!!!! 🤭

[@NolanGouveia]

This channel loves you 🫣🥰

[@chillingspree3938]

If you have a big lump sum, best to buy a high quality high yield etf and reinvest that dividends into the S&P 500.

[@enlea]

I do both. I automatically DCA a percentage of my paycheck into SCHD, VOO, and VUG, but also have a large cash position currently earning 5%. I'm waiting for that big drop in the markets to deploy the money 🙂

[@markgeyer1]

Same! Waiting as well but things seem to be on the up and 🆙

[@tomrmazur]

Same!!!

[@ManMan-eo4ns]

the only bottom that can be predicted with accuracy is "3 months after the FED is done lowering rates is the known and expected bottom" its possible to go lower from there but it cant be predicted. If you invest after the 3 month marker that is the best any one can possibly do with out God telling the differently.

[@jarethtitan]

Hi Nolan! how Portuguese are you? from Gouveia to the Galo de Barcelos on the table ...I'm guessing quite a bit.

[@stillhopeful7048]

I hope your eye heals quickly 😊

[@NolanGouveia]

Thankyou!

[@sobo250687]

Great video Nolan!! You clarified your answer to my question in the previous video even more. I do wonder, did I perhaps inspire this video with my comment then?😉

[@NolanGouveia]

Maybe so! I do receive this question a lot but I’m sure you were one of them!

[@sobo250687]

​​​@@NolanGouveia Yeah, I bet! Thanks again for the answer and the video. I would love to hear your opinion on my distribution and mainly on DGRO(supposedly better returns than SCHD). Any negatives? Foundational: 20% VOO - 20% Dividend: 40% DGRO - 20% SCHD - 20% Growth: 40% QQQM - 30% VGT - 10%

[@NolanGouveia]

@@sobo250687 that looks awesome!

[@sobo250687]

​@@NolanGouveia Thanks Appreciate it 🙏🏻 Keep doing a great job!

[@ManMan-eo4ns]

Inflation is low enough so the FED will start to lower rates. 3 months after the FED says its done lowering rates is the closest any of us can come to the bottom of the markets. As inflation rises again your investments will go up in value. When the FED again states inflation is to high that is your SELL signal. If you don't sell and lock in profits your investment values absolutely will drop because stocks with debt always drop and the lay off when the FED raises rates. A broker will tell you NOT to sell and to instead bonds , don't buy bonds , rather SELL and put it all in VMFXX govt bond money market soon to be paying 5% as a result of FED rate increases.

[@swaep114]

The Large EV Truck sector delivering..* NKLA..6 % Nikola Trucks. Increasing 2024 deliveries..* HYLN..11 %.. Hyliion. .* XOS Trucks 1 %.. Global investors working to clean our Air Faster. Thumbs UP video / comments as the Bulls keep charging in Sept.

[@ManMan-eo4ns]

An almost guaranteed bottom is 3 months after the FED is done LOWERING rates. No can make a better guess than this its as close to the sure thing bottom as any of us can predict. This is the gas needle hitting EMPTY, the bottom of the tank right. But is it really the absolute bottom? Is there more gas in the car ? Maybe a tiny bit but we don't know how much or how far you can go on what's in the tank, so when the red light come on that is the bottom and that's when we act. So we call the RED LIGH empty and 3 months after the FED is done the preverbal bottom.

[@simoncook1325]

I sold my property and put half the profit straight into my pension The rest I'm DCA into my ISA Made a lot more from putting the lump sum in than not

[@joshuatylerwood]

Good for you training Jitz bubba. If you ever out in AZ come by the Red Hawk Academy in Peoria and get some rolls in 💪

[@thetapheonix]

I buy once a month, on the same day every month without fail. Not sure what you would call that but I hate going in and placing a buy every day.

[@MRkriegs]

That is DCA

[@Altseasun]

I have question for you Professor, I know you like SCHD, I know its very popular. We all know dividend growth is more important than high dividend yield. Not growing means dying. SCHD has stocks that dividends aren't growing , plus they decline in value, with huge debt. Example Verizon, Pfizer. VIG etf has high quality dividend growth stocks. What are your thoughts on schd containing "some" bad stocks?

[@NolanGouveia]

The S&P 500 has some companies that are still good but underperform for a while then snap out of it. Schd (and just about every other broad based etf) is the same way. VIG is good, yes, but it’s just a blend of schd and schg basically.

[@TJC6626]

Wow the timing of this video is too perfect

[@jasonwright1861]

SAME

[@RobPerkins]

It is an age-old struggle. But as usual, you have perfect timing with this video. I'm in this situation currently. Here's what I'm doing... Regardless of the potential financial upside to a lump sum, which, in fact, would be simple, to me, simplification also includes not constantly wondering if I did the right thing. DCA smooths out that worry and wonder. Your examples were spot-on! So I’m putting 1/2 in and DCA the rest over time. That feels good to me. Thank you again.

[@NolanGouveia]

You are crushing it Rob!

[@boetvanolphen]

Hi Professor G, is moomoo also a good broker for europeans? Thanks in advance!

[@NolanGouveia]

I don’t see why not

[@N24-l5i]

Please tell me if I invested 500k and just forgot about my S&P investment WHEN should I remove my lump sum? Do I wait 5yrs? 10yrs? Or any year I feel I’ve made enough profit? I have a goal to double my money, that’s it, that’s all I need

[@dianneg-phila]

Thanks Professor G❤

[@NolanGouveia]

You’re welcome!

[@user-zz8uu1zo7u]

The idea of investing a lump sump with P/E 26 for S&P500 sounds scary for me. I have a daily purchase for the 50% I want to invest and keeping the other 50% in tbill etf

[@willmallory9085]

AWESOME

[@MTBTrek34]

Anytime the entire stock market drops 40% in a single day we are in deep trouble lol 40% in a year is something diff

[@ThrowBackZone]

The black eye story was a nice touch! 😂 But seriously, do you think dollar cost averaging is just a safety net or a legitimate strategy?

[@CryptoHotep]

DCA IS THE GOAT

[@dividendfire855]

Lump sum is always better in the long run, that is why Jan. 1st, I max out my ROTH IRA

[@NolanGouveia]

Sweet what do you invest in?

[@dividendfire855]

@@NolanGouveia 90% VTI 10% VXUS and never look at it till Jan. 1st. Why bother looking at something I’m not touching till 59 1/2 🤣

[@NolanGouveia]

@@dividendfire855 good point! Super simple

[@markgeyer1]

@@dividendfire855the ‘why stress’ approach wins!

[@trrealestatenycrealestate200]

@@dividendfire855 How long have you been investing in VTI ? I am thinking VGT with VOO and SCHD ... will be doing it in JAN

[@dannash9413]

What if during DCA, the Market is down 20%, would you recommend doubling the amount you put in that month?

[@Sanloong7]

I go all in when that happens.

[@Yitzy-vs2kk]

I have 150k in a JP Morgan managed brokerage account which is so called tracking the sp500. But with them charging me 1.45% APY, and the product underperforming the benchmark I'm thinking of going out on my own (I already have an account with fidelity where I invest on my own). I just have the same question, if i should lump sum it all, or should I DCA it for $1000 daily or something like that...

[@scottbeeby5395]

Daily buying isn't exactly DCA; look to weekly or more to account for true changes. E.g. investing $24k over a month buying daily vs $4k+ buying weekly. The 24k is a lot to put in over such a short period and the stock could easily pull back in the next month. First ask yourself what the total size of the position is that u want in any particular stock or index and them divide that equally into buys over a period of time. E.g. Maybe u start with a 20% position in VOO, but then add 5% buys weekly over 2mo until you've reached your full position allocation.

[@kw7292]

1/2 and 1/2, DCA over 12 months and if the market falls significantly during the 12 months, double down.

[@RG-1045]

Buy high Sell low

[@JohnJohn-nt9mf]

Buy high, Sell higher...

[@cashonly2539]

Whenever I buy some shares, they go down. So it is DCA for me. 😁

[@gganesh23]

What happens if I invest every day $5 or $20 on VOO and schd? Please suggest professor G

[@MRkriegs]

Good things happen

[@viralsheddingzombie5324]

You might immediately invest all of the 500k in a US treasury fund yielding at least 5% with basically no risk, then every month transfer 50k into an S&P500 fund/ETF.

[@NolanGouveia]

That is a good move yes!

[@FLking727]

I can’t DCA in schwab so I do buy whole shares whether my etfs are up or down. I do DCA in my Robinhood too

[@NolanGouveia]

That’s a great move!

[@trrealestatenycrealestate200]

Fidelity you can

[@FLking727]

@@trrealestatenycrealestate200 didn’t know that. Something to look into

[@firefly0203]

Im up against the same issue with Schwab. Any other suggestions for DCA?

[@FLking727]

@@firefly0203 Robinhood, Moomoo, fidelity you can DCA.

[@carlhensaime6228]

Is it okay, if I have VOO, VTI, & SCHD all in my Roth IRA ?

[@MRkriegs]

Yes

[@NolanGouveia]

Sure yes!

[@appleztooranges]

Did you buy the new iPhone?

[@NolanGouveia]

I did not

[@appleztooranges]

@@NolanGouveia I did haha

[@peterbedford2610]

Just put another $8K into my Roth ira....schd

[@Bur6212]

Are you 50?

[@pauobunyon9791]

If you have more than 10 years I dont think its gonna make much difference whether you DCA or lump sum.

[@barkleinberg8352]

why is there a problem with inversting 500K at once - even if the market goes down a day after 20% - it will eventually go up - sure it may take more time to get that profit - but we can't time the market - so just put your money there - and let it do it's thing

[@Anpo90]

did anyone find a similar european etf for SCHD??

[@armandochavez4398]

1st let’s go!

[@633ohioc]

Allegedly 😂

[@NolanGouveia]

🏆🏆

[@trrealestatenycrealestate200]

I am waiting until at least until after the election or perhaps in Jan/Feb 2025

[@NolanGouveia]

For all of your money?

[@Atrus999]

Doesn't the market usually go up during election years though?

[@NolanGouveia]

@@Atrus999 yes I think he means it will drop after the election

[@glasshalffull2930]

@@Atrus999 My recollection is the market in an election year, On Average, goes up on average 7% if a Democrat wins and 10% if a Republican wins. So far this year, the market has hit about 18% and been bouncing around. I’m happy 😊

[@hotfeva9843]

Use some fatback for the black eye bruh 👍🏿

[@Constitution1789]

Given your insights on lump-sum investing versus dollar-cost averaging, if you received your paycheck today and had the flexibility to invest the entire amount, would you put it all into the market immediately, considering the current market volatility and global events, or would you prefer to spread the investment over days, weeks, or months? Just asking for clarification.

[@MRkriegs]

Did you even watch the video?! lol wtf

[@Constitution1789]

@@MRkriegs Your anger and ignorance are amusing. I'm honored the truth of my comment triggered you to reply.

[@NolanGouveia]

I'd pretty much do what I said in the video yes!

[@Constitution1789]

@@NolanGouveia There’s some confusion in your reply to my hypothetical question about paychecks and investing. When you talk about lump-sum investing in the video, you refer to scenarios like receiving a large inheritance or selling a property-where you have a significant amount of money all at once to invest. But my question was a bit different. I was asking about monthly paychecks and whether you would personally invest the entire paycheck as soon as you receive it, or if you’d prefer to spread it over a period of time given current market conditions. Paychecks aren't a lump sum like an inheritance; they're smaller, recurring amounts, so the strategy of investing a paycheck immediately is not the same as a true 'lump sum' strategy that you described in the video. In other words, my question asks whether investing each entire paycheck upon receipt is equivalent to lump-sum investing, or if you'd treat paychecks more like dollar-cost averaging over a shorter time frame.

[@633ohioc]

🫡👍👍

[@antegotovina4952]

I thought you had a black eye from the beating you took in the market.

[@NolanGouveia]

haha nope!

[@joehogan8234]

🇵🇹

[@glasshalffull2930]

Seriously, you’d “sleep like a baby” if the market took a 40% hit? It wouldn’t bother you that maybe it might drop another 15 or 20%? Sure, intellectually knew I was going to be fine as my retirement was a 16 years away when the tech bubble burst in 2000, but it was certainly depressing. And as the real estate bubble began to grow, I knew we’d have another burst, but it still bothered me. It’s just human nature.

[@NolanGouveia]

I’d be happy buying in at a 40% drop. Very happy

[@glasshalffull2930]

@@NolanGouveia The buying in part is nice, but one’s portfolio taking a hit of tens of thousands or hundreds of thousands would be disturbing for 99% of people.

[@UneekLuxury]

So funny how every finance KZbinr just repeats the same vids others have put out like their spitting knowledge 😂

[@NolanGouveia]

Sweet comment 🤣

[@JDJNJ21C]

Great Channel and great subject: facing the same situation this week. Very practical solution: split the difference and DCA on the remainder. At some future point I would be interested in your perspective of SCHD vs VTV?