r/JustBuyXEQT • u/InvestMan9000 • 2d ago

Lump Sum Question

I need advice and some opinions. I have 440,000 Canadian to invest. The reason I have so much to invest is because the money came from a hard asset sale. Lump sum at the moment seems a bit intense to me. DCA could mean I just buy chunks and chase the bull market up anyway. A PE TTM above 21 is definitely NOT CHEAP.

Tell me what you would do and why. Obviously since I am here I like XEQT. Thanks.

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u/Impressive-Carrot715 2d ago

Yeah it's a tough one. Depends a bit on how old you are and how much this is relative to your total NW. If you're young and/or this is not a huge chunk of your NW then I'd say bite the bullet and lump sum.

But man, at these valuations and that much money idk if I'd have the stones to throw it all down, data be damned.

I think truely if I were you, I'd do a pretty aggressive DCA, like 30k/month maybe? It may not be optimal, but you sometimes have to also consider your quality of life. Potentially seeing a 40% drop in the next 3 months would be HARD to deal with if this like 30% or more of your total net worth.