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Comment by clubdorothe | Hacker News Reader

I'm about to start investing with lump sum next week since stocks looks cheaper. I was thinking to go with 80% SWDA (global stocks [1]) and 20% AGGU (global bonds[2]). I'm a non US resident.

- Should I consider to take less bonds?

- Is lump sum a good idea, or should I DCA?

[1] https://www.ishares.com/uk/individual/en/products/251882/ish...

[2] https://www.ishares.com/uk/individual/en/products/291772/ish...

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I would not recommend taking investment advice from HackerNews. /r/PersonalFinance is a better place, or you can start reading forums like Boggleheads and blogs.

If you’re canadian I can recommend a couple of blogs I follow, otherwise I’m sure there are others from your country with specific advice.

If all else fails, paying a for-fee advisor that doesn’t sell funds can help you setup a plan for yourself.

For questions like this, check out the Bogleheads wiki: https://www.bogleheads.org/wiki/Main_Page

There's a lot of research on lump sum vs. DCA, which is summarized here: https://www.bogleheads.org/wiki/Dollar_cost_averaging

From your links I guess you're in the UK, in which case check out the Monevator site. It's UK specific financial advice, with an emphasis on FIRE.

I would consider dropping the bonds unless you are going with junk bonds. The yield on high-grade bonds is trash and not worth it. In fact, the only reason anyone buys that shit is: a) they are legally required to b) they don’t care about making money, just not losing it. Instead, I would consider adding metals (or just gold) as your 20% uncorrelated asset.

The way my portfolio currently looks as of today (it changes a lot) is 50% gold and 50% 3x levered S&P 500 etf. This effectively gives me 1.5x market exposure plus an uncorrelated asset that both boosts my returns and cuts my volatility. When I feel like this whole coronavirus thing is over I’ll probably increase the 3x market exposure.

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