Buy VOO by Jul 15, 2026.

I stupidly only JUST realized today my 401k plan allows me to transfer funds to a schwab PCRA. Essentially i can buy any funds I want rather than being stuck to what is available with my current plan. I'll put everything in VOO to keep things simple. But given the volatility and uncertainty with ceasefire, would you say lump sum it (time in market beats timing market), or use ACB to reduce risk of buying a temporary high>