Investing is not a one night stand… As I mentioned before, if you don’t trust your timing, then slowly buy no frills index funds every month 2-3k/month. In fact if you have been doing this for the past decade, you would have done ok.
Never too late to start, and less risk than deciding to move one huge chunk into the market all at once…
It’s no different than an regular 401k plan or any other time based plan….
small cap, mid cap, large cap, and international index.
