Hi Yoko.

If you read the article, then you know there’s multiple ways to do it. If particularly nervous about the market, then one option is to just invest it slowly.

For example, 3k per week for 100 weeks! That may be a little extreme in terms of timeframe, but gives you an idea of how it could be done to avoid timing risk.

For what it’s worth, the market hitting new highs is nothing special. The market can only be two things: at new highs, or down from the highs. At new highs is actually fairly common by the way, so try to ignore any media hype around that. If you’re worried about valuations though, that’s another thing. That said, very smart people have been saying markets are overvalued for literally the last ten years since I began investing, so who knows!

I’m in the same boat as you. The strategy I am going with is to invest the lump sum in large portions, every quarter over the next 12 months starting with low risk ETF options like a global index ETF and an Australian index ETF. Later in the year next year, I will add my satellite ETFs which are tech and emerging markets. If you plan to hold for 20+ years like me, as much as it will suck watching them dip (which I strongly think that they will) but should eventually recover and grow in the long term. I have thought the «big crash» is just around the corner for over a decade and am tired of being wrong!