The S&P 500 (SNPINDEX:^GSPC) set its latest record close, 7,818.93, on Oct. 6. As of this writing, it's just a little over 1% under that mark. For anyone with a lot of cash meant for an index fund, putting it all in so close to a record can seem like asking for bad timing. The common alternative is dollar-cost averaging, which here means splitting the money into equal chunks and buying over several months. Vanguard tested the two methods in a 2012 study and found investing all at once did better around two-thirds of the time. I ran a simpler check of my own going back to 1950 and got a similar result. So I'd lean toward putting most of the money in right away. But spreading purchases out still has a use, and it shows up in the bad years.
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