Does my planned allocation look ok? Too low on bonds? Should I just dump the cash in lump sum? DCA? I'm scared of buying in at record highs (But I also know you can't time the market etc)
Current Allocation
Cash 67.9% 1,660,000
Stocks USA 8% 196,000 VTSAX
Stocks International 4.7% 114,000 VTIAX
Bonds USA 3.3% 80,000 VBTLX
House Equity 11.1% 272,000
Crypto 5% 122,000
Total $2,450,000
Planned Allocation
Cash 2%
Stocks USA 53.3% VTSAX
Stocks International 26.7% VTIAX
Bonds USA 10% VBTLX
REIT 3% VGSLX - Because I won't own a personal home and feel VTSAX is underweighted in real estate
Crypto 5%
Total $2,450,000
Budget
