Posts  / #POST-208631
REDDIT

Almost 49, currently unemployed, 160k in SGOV, emergency fund: next moves in this current market

A
Apr 30, 2025 · 19:17

It was suggested that I start a new post with the additional info provided in the heading.

I’m moving overseas this weekend, and will probably not have much disposable income for investing - at least for the first six months.

Like I mentioned, I have 160k in SGOV, and have close to a year’s worth of cash in an emergency fund.

Some have suggested to either lump sum the SGOV into an index fund or DCA over the next six months.

I know timing is always frowned upon, but when would you get back into the S&P or another index if you were me?

If/when unemployment rises, hours are cut, and discretionary spending goes down, what kind of an impact would or should that have on the market? If it’s negative, shouldn’t I be in a wait and see mode?

One redditor suggested I repost with these details to give a better understanding of my situation to other redditors.