It’s much easier to allocate as you go than to allocate everything on a single day. It feels a lot like market timing when it’s all invested on one day.
Timing matters.
I’d say even if you think the allocation question is simple the when and how is not. Or it may be simple but still scary. Risk tolerance sounds abstract. I think the right question is would you start to feel reaaly upset if the Dow hit 5,000.
