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That said, I think the market is fairly high right now and will not likely have much net gain in the next 15 months. I am not comfortable investing the entire lump sum (equal to approx 20% of that account) all at once right now.

Here you are explicitly talking about market timing. Since you have specific reason to think this is not a good time to invest in stocks, you are going to... invest a little bit in stocks? Why are you putting any money at all in stocks?
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