Title. I have 15.8K in a HYSA from my internship earnings last year, but large expenses coming up (grad trip to Japan, diving trip, and buying a used car). Job-hunting for a start in September. I want to start investing this lump of money and buy the dip but how do I know when is the right time to? Do I buy strictly just VOO or VOO and a few other big companies' stocks (Amazon, Microsoft, etc)?