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Greetings, Dougc1, and welcome. You asked:

I currently have some significant dollars in a pension plan with my former employer. I can leave the money there or I can roll it over into something I have control over. I would like to move it to Vanguard's S & P 500 Index Fund (IRA) but I don't know how to time the market for moving the investment. Amount is in the $40-$50K range. Can anyone advise?

As I've said many, many times in this folder there is never a "right" time to be in the market, only a "wrong" time to be out of it. Timing the market is a fruitless exercise. No one is able to do it successfully on a consistent basis. Also, numerous studies have been done comparing the difference between investing a large lump sum all at once or investing part of it over a longer period of time. These studies have repeatedly shown that over the long haul the differences are negligible.

If the current market bothers you, then transfer your money into a money market fund with Vanguard first. Then over the course of a year or two just move some money monthly from that account into the Vanguard 500. That procedure may allow you to sleep better at night. Be aware, though, that when the market moves upward it does so very, very quickly. Thus, be prepared to miss some gains if you follow that course.


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