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This has been debated.
One thought is divide the lump into 12 equal parts and put one part into the market each month for a year.
Another is contrary, to take the position that over the long haul, the market goes up, and the probability of investing all of it at a top is less than what you may lose by accepting money market rates for the better part of a year for a part of your lump sum. That philosophy says, when you get it, invest it.
It's your money and your choice.

Best wishes, Chris
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