sandybeth <sandyhb6[at]yahoo.com> wrote:

- quote -

Seems to me that you have three choices:

1) You can stay in cash until the market hits a bottom and you can buy at the
optimum time. Since I don't know anyone that can do that, this is probably not
a good choice.

2) You can dump it all into the market now. Assuming this is long term money,
this has the best long term returns. But you have to be able to close your eyes
and ignore the ups and downs we have ahead.

3) You can dollar-cost-average. Put 1/12 of your cash into the market each
month. On up months, you can look at your statement and smile that you've made
money. On down months, you can look at your statement and smile that you've
bought some more at a bargain price.

-- Doug

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sandybeth wrote:
- quote -

it's an asset allocation question, not a problem to discuss here.
You might want to offer your current mix by percentage. From what you
posted, you seem light on a good overseas mix.
As far as market timing goes, no one can tell you whether we will up or
down in the next few months or year.
JOE

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We have Roths with Vanguard. When I added our $5000 each for 07, I
put it all into the Vanguard prime money market because I was waiting
for market to fall. So now I'm ready to move it into the mutual
funds--or should I wait?
I'm thinking of an index fund, such as the total stock market index.
Or is it better right now to go with a global fund or index? We
already have mid-cap, emerging markets and equity funds in our
portfolios.
I know this may be more of a question for the stock board or mutual
fund boards, but I'm hoping it is general enough for this site.

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