40만 달러 상속, 지금 투자하는 게 좋을까요? 🤔

the market is a submartingale. more pragmatically, it most likely will not move the needle if you just buy 400k spy monday open or wait 1 month. but i can tell that if you do either one, you won't be able to sleep at night. When I first started, I was entirely in high beta stocks and high cortisol constantly, always context switching to my portfolio lol. So do whatever helps you sleep at night

Get a financial advisor asap

Invest $10k a week. If a large drop happens along the way drop $50k on it.

Yesterday would have been better.

If its for the long term, I'd either invest it now or spread it out over a few months for peace of mind. Waiting for the right time usually doesn't work.

Schd

You could put it into short term treasuries until you learn more about the stock market. I recommend reading Joel Greenblatt, philip fisher, and Howard marks to start.

Your age matters. But unless youre over 50 just invest it all at once. OR take a look at Cash Secured Puts and sell some options to get assigned at a price you like on something like SPY or SPYG and take some and go ahead and buy and sell covered calls. Take the premiums from CCS and CSPs and use it as income or just use it to buy more at whatever price its at. Whether you use it as income or growth also depends on age

Nobody knows the right answer. When I sold my previous apartment, we had the usual doomsayers saying it's gonna crash. What I did was put it into an index fund over a one year period, because all the time "the market was gonna crash". In hindsight I could have invested it all as a lump sum, but looking back that far, the difference isn't that big. In the end it's only mattered that all of that money has been invested for years at the moment, instead of waiting for that crash. Of course, if there had been a crash on year 2, that would have been bad... But, is it going to be different this time? Nobody knows. Is there going to be another crash? It is inevitable there will be, it could be on Monday or it could be 10 years from now...

I would put 50k in each month.  It's extremely difficult to time the market, mathematically it's best to put everything in all at once but psychologically it isn't, and in the end it's your emotions that run the show

sp500 CAPE PE = 43, near all time high in human history don't invest all at once, as sp500 unlikely to go up 20-30% this next 12 months, more likely to drop a lot. maybe 50k now and 50k every 6 months for next 4 years, keep the cash in SGOV at 3.55%

You never time the market. If you don’t need it the next ten years, just dump it all

You're right that splitting the money over a period of time could be safer here than a lump sum. I think you understand that timing the market is not a thing, but you want to make sure you're not buying at some low. Honestly, I think both options make sense, assuming that this is a long term investment. Do what you think is right.

It's hard to answer this, because we don't know how much you know about stocks and how the economy works. If you're really afraid of the markets or you suck at buying stocks, go to your bank and open a CD account. It's virtually risk free, but the interest rate sucks. There is a lot of advice around on which stock to buy, but I highly recommend you don't listen to any of it. Nobody can perfectly predict the future. Even if they can, stocks always go up and down. You need to know when to sell and not everyone posts when they will sell.