Smartshares - you have 100k

[ratkin]

Agree that timing IS everything. Terrible time to buy stocks (and bond, and property), over 20+ years you will see such better returns. Don't throw away your money under the false (& lazy) pretense that set and forget will pay off, be patient.

The point of these funds is to put money in over time, not as a one off payment. The reality is none of us really know if it is a terrible time to buy stocks or not. Historically when the most people have thought it a bad time to buy stocks has often turned out to be a good time.