How should I invest in my situation?

Hi anon,

No one is ever late to the game. Those who are late are those who have not started.

I'm not going to repeat what others have already mentioned (I'm late to answering this, haha), but I will suggest that you can consider splitting your $30K into 3 portions, one to go in now, and 2 for later (what you invest in, is up to you). Then, out of your monthly cash flow, you can take a portion to do DCA. Since we don't know how the market will move, I'd suggest that you reserve some part of your $30K so that you will have money to go in if more opportunities present themselves.

What to invest in, is another story, and I'd suggest that you can do some reading and research.

Hi there,

there is no such thing as late to the game, welcome aboard!

If youa re considering robo-advisor, maybe you can check out kristal.AI.

Basically, kristal.AI offers a digitally-enhanced wealth management platform that allows its customers to invest in global and diversified strategies.

These strategies are created using a bionic approach; using a combination of AI-powered asset curation and human expertise. Kristal caters to a wide spectrum of investors ,from the mass affluent section which would like access to global products in a DIY, on-the-go fashion, and the accredited investor who wants personalised advisory services for wealth management.

Investors can get started with us with the ‘Kristal Investment Account’ which is FREE for investments up to $50,000 and allows investors access to curated global ETFs.

Kristal provides you with both investment strategy and personalized investment advice.

Kristal will advise you through Propietary Advisory Algorithm. You can get advice as many times as you wish.

It is understandable that people tend to be more selective on making their investment during this turbulent period, however Kristal will provides its customer with an 'All Weather Portfolio' it’s a portoflio that sees you through the market ups and downs through all sorts of market environments such as inflation, deflation, rising economic growth nd declining economic growth. It’s a safer bet during uncertain times.

The All Weather Kristal asset allocation is 55% short and long term bonds, 30% equity and 15% commodities. The main goal here is to keep your assets safe.

Here is the link on all weather portfolio on Kristal

https://www.youtube.com/watch?v=DMka_LNMVpQ

and the link to Kristal's review:

https://seedly.sg/reviews/robo-advisors/kristal-ai

I wish you luck!

Cynthia

-your're not late

-don't take any kind of active management strategy, use ETFs

-do not trust too much mainstream finance advisors, think for Yourself

-all what not to do is essentially written up here: https://seedly.sg/questions/what-is-your-genera...

-have patience

-robo advisors not needed​​​

On Dollar Cost Averaging and Lump Sum Investing:

https://www.morningstar.com.au/learn/article/th...

TLDR Version: Most people should not be following a DCA strategy if they have a pot of gold. DCA strategy works best for people who want to invest from their monthly cash-flow.​​​