But right now splitting it into something simple like five monthly payments of $100,000 into a brokerage account makes sense.

Obviously if the market is on its way up doing that will cause you to lose money which is why most studies show that splitting up a lump sum overtime is not smart. However when the market is volatile or when it is going down you can make money by splitting it up this way. The problem is is it’s hard to predict, and trying to make predictions of the stock market usually leads to people losing money.


If it was me I’d stick $500,000 in VOO, SPY, VTI or something with broad market diversity. If you make 12% on it you’re gonna have almost $5 million in 20 years. And 12% is significantly worse than VOO did over the last 20 years