Lump-Sum Investment
A one-time investment approach to structure a larger amount within a long-term allocation model.
Structuring a larger amount properly
Sometimes a lump sum arrives — from a property sale, an inheritance, a bonus, or savings that have been sitting in cash for years. The question is not whether to invest it, but how to structure it so it isn’t exposed to a single moment in the market.
We apply the same allocation model used in the monthly plans: a majority in safe assets, global equity exposure through ETFs, and a capped bitcoin position. The difference is the entry.
Where appropriate we phase the entry over several months rather than deploying everything at once. This reduces the impact of investing at an unlucky point, at the cost of some potential upside if markets rise immediately.
What we look at first
Your time horizon
A lump sum you may need in three years is a different problem from one you will not touch for twenty. The horizon drives the allocation far more than the amount does.
Cash you should keep
We do not recommend investing money you may need at short notice. An accessible cash reserve should sit outside the plan before anything is allocated.
Entry approach
Immediate full allocation, or phased entry across several months. Both are reasonable; we explain the trade-off rather than presenting one as obviously correct.
Service details
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