All in on the lump sum! What to do if you suddenly have $1 million 💰 We’re assuming you’re young, self-sufficient, and able to invest this windfall.

Common options—DCA in equal parts, investing in individual stocks (just not crypto), or using a financial advisor—tend to underperform for this amount. The smarter move is to buy a stock index with the entire lump sum.

With a 5-year horizon, the chance of success is about 79%. With 20 years, about 99%. Yes, there’s a risk of buying at the top and enduring a multi-year drawdown, but most of the time the market rises.

Waiting for the “perfect moment” to enter doesn’t make sense—money left sitting idle isn’t working for you.

P.S. Before you buy, think carefully about what you’re buying.

The S&P 500 has strong stats, but the Japanese Nikkei 225 endured a 34-year slump 😳 #what_to_do

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