r/stocks
400k inheritance, should i invest now?
Inherited $400k, debating lump-sum investing in S&P 500 ETFs now vs waiting due to market uncertainty and rumored SpaceX crash.
- Time in the market beats timing the market for long-term growth.
- Broad-market ETFs like S&P 500 offer solid long-term returns.
- Current market uncertainty and potential crash risks make lump-sum investing intimidating.
- Rumors of a market crash related to SpaceX add to short-term volatility concerns.
Hey everyone,
I recently received an inheritance of about $400,000 and I’m trying to figure out the best way to invest it for the long term. My initial thought was to put most or all of it into broad-market ETFs, such as an S&P 500 index fund, since I don’t need the money right away and my goal is long-term growth.
What I’m struggling with is the timing. Part of me thinks I should just invest the entire amount immediately and let time in the market do its thing. On the other hand, investing such a large lump sum all at once feels intimidating, especially with all the uncertainty in the markets right now. I’ve seen people talking about a potential crash due to SpaceX.
Would you invest the full amount right away or wait a month for the market to stabilize?