[USER]

I rolled over 10k to a Fidelity HSA and the money just hit my account today. Curious what opinions are for *timing* investing, let’s say FXAIX as the investment.

I’m thinking to do 5k today and 5k after the election.

My husband suggests keeping all in cash till afterward. I imagine this group has some thoughts. It’s a unique opportunity!

[Joel]

If splitting it makes you happy, sure. The difference between today and when the election results come out is pretty minor.

Otherwise just put the money to work as soon as you can.

[Prasad]

I know this much – one of these two strategies is going to get a better short term result. It won’t matter in the long run.

Not sure if your husband will give you a hard time if the market indeed goes down after the elections.

If you think he will, just do what he says. At least your home will be more peaceful. If he’s right, then you both can be happy.

If you happen to be right, then you can torture him till the next election.

But if it were a larger sum of money, I would just put it all in the market asap and not worry about things beyond my control.

[Phil]

Good move, going to Fidelity.
Was it invested previously? If so, put it all back in.

If you’re going from cash to investing, you can allocate it to stock/bond, or lump sum and DCA. Whatever makes you comfortable.

You can always change your allocation later without tax implications.
I wouldn’t extend the process very long; you’ll just second guess yourself.

[Rick]

Did your plan of moving your hsa include market timing in a way you never would have considered if the hsa had not moved?

If not, why add that to the plan.

[Heather]

I would invest it all right away. How do you know what’s going to happen after the election? If you know please tell the rest of us!

“Time in the market beats timing the market.”

[Tara]

Invest. The. Money. Sometimes people make it so hard when it is literally easy.

[Author]

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