You are thinking about this small picture If you dollar cost VT for 5 years and it’s down 20% after 5 years, honestly congrats. You have plenty of money to pull out for your so called doomsday scenario, assuming you’re an idiot and don’t have at least 3 months expenses in a checking account. Everyone will be shitting themselves in that future I’d imagine so you don’t get much sympathy from friends and such. More than likely, and **historically** you’ll be up a large amount. The risk of not dollar cost averaging for the next 10 years is way higher than the risk of waiting to assess the risk later

---

I don't disagree.. But unless he's a crunchy old boomer bogglehead is boring and less rewarding than even stacking spy or Qqq.. Qqq has done me incredible just cost averaging. VT has been so conservative

---

The app is called fidelity and OP keeps buying VT every paycheck and holds for years.

---

VT

---