You got a lump sum.
The instinct: feed it in slowly.
66%
of historical one-year windows where putting it all in at once beat spreading the same money over twelve months
A friend sold a flat last month. Cash in the account, a number bigger than he was used to seeing. He asked the sensible-sounding question. Should I drip it in through a SIP over a year, so I do not buy at the top. Spreading it out feels safe. The math says safe is not free.