Moving Roth money from m-market into mutual funds

it's an asset allocation question, not a problem to discuss here. You might want to offer your current mix by percentage. From what you posted, you seem light on a good overseas mix. As far as market timing goes, no one can tell you whether we will up or down in the next few months or year. JOE

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Seems to me that you have three choices:

1) You can stay in cash until the market hits a bottom and you can buy at the optimum time. Since I don't know anyone that can do that, this is probably not a good choice.

2) You can dump it all into the market now. Assuming this is long term money, this has the best long term returns. But you have to be able to close your eyes and ignore the ups and downs we have ahead.

3) You can dollar-cost-average. Put 1/12 of your cash into the market each month. On up months, you can look at your statement and smile that you've made money. On down months, you can look at your statement and smile that you've bought some more at a bargain price.

-- Doug

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