Originally Posted by
quizzer25
1)Should I wait for the market to go down in the next few days to start buying or do right away?
2)I'm assuming all these 4 ETF's are available in my Merrill Edge rollover IRA that i opened last week and has $100K transferred from my prior 401K.
3)Based on 1 can I just buy the ETF's and keep checking returns after every year? does it need rebalancing? If yes how frequently?
might want to go to a finance specific place (eg
www.reddit.com/r/portfolios, boglehead forums etc). this thread is about the travel rewards credit card
1) don't time the market... you can try Dollar Cost Averaging (DCA, i.e. put 10% every week, to minimize risk and get the best "average" cost), but some have said it's best to do lump sum investing. You are implicitly doing DCA anyways (100k this year, 10k every year for the next 20+years)
https://pressroom.vanguard.com/conte..._Averaging.pdf
2) seems like all the ETFs you listed are available at Merrill Edge. Do some research on the Edge... I've heard cases where people were bumped up to Merill Lynch when they had >250k in their Edge accounts, and don't qualify for the Edge benefits (free 100 trades/month)
3) Personal choice. I myself don't care enough to rebalance. anything more than monthly/quarterly is overkill. yearly is fine. try not to sell & rebuy(causing a taxable event) unless it's in a tax-shielded account or you want to harvest losses etc