We don’t know what will happen . But instead of taking the guesswork. I’d recommend just doing a regular $300-500/month drop investment into a simple domestic index fund , simply international index fund, and maybe a bond index fund. And later if you feel more comfortable bump that up to $1000/month or more.

In the long run, 15-20 years, you won’t care. The only thing you will care is if you never started.

my kids Vanguard 529k I started when she was born, just dripped 300-500, month and then it was $1000 month into indexes..And the same thing with a UMTA custodian account with indexes. Combined , both sits at $320k and it was effortless. Deposit and forget, up and down… who cares…

Disclaimer, Since we have 3 years to go, I’ve been reallocating things to a more short term cash focused allocation starting last year… only because we will need to start using it soon and it would be better to reduce some risk….otherwise I would have left it indexes longer.

In case you’re wondering the reason for doing a 529 and a umta custodial account was because the 529 can grow tax-free but is limited to college and private school use only whereas the umta is a custodian account that has no tax advantage but the money belongs to your kid and can be used for any purpose so the split for us was two to one