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Questions tagged [lump-sum]

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9
votes
4answers
891 views

Worried about wife's spending habits with impending lump sum

My wife of 18 years has a problem with money. She has stolen from banks using my identity, falsified documents to get cars, and has been to prison over it. I pay for everything and give her ...
23
votes
7answers
6k views

Does dollar-cost averaging just means taking risk later?

I am investing in mutual funds and hence reading and trying to learn about it. I was reading this answer which says lump sum investment is far more efficient than DCA. Well, that does not surprise me....
1
vote
1answer
95 views

With a lump sum severance, is the employer responsible for paying any portion of the withholdings?

I received a lump sum severance payment, with the typical withholdings for federal, state, medicare, and social security. I was under the impression that a company shares some of that responsibility ...
8
votes
2answers
626 views

Dollar cost averaging - Should I still do it if I have a large pile of cash now?

I currently have a large pile of cash savings ($240,000) which I really should have been investing all this time, but the past is past and no point dwelling on it. I am currently 38 years old (2 kids....
3
votes
1answer
211 views

I am going to recieve £10k and I am a minor [duplicate]

My grandmother is going to go into care very soon and as a result, sell her house. Each of her four grandchildren are going to recieve £10,000 from the sale of the house to help kickstart ourselves - ...
3
votes
2answers
374 views

Paying monthly income from a lump sum

I live in the UK, and am just starting a 4-year PhD programme. My living expenses are funded by means of a tax-free stipend of £16,553 per year, paid in quarterly instalments of £4138.25. To help ...
0
votes
2answers
133 views

Investment / Savings advice in uncertain economy

For background: I just started investing and saving over the past 1.5 years and am wondering what to do with some money that I currently have in savings. I live in the US and things have been going ...
1
vote
1answer
259 views

Lumpsum investing in EPF/VPF

Currently, my employer deducts a basic amount from my pay for contribution toward EPF. I have voluntarily increased my share. I want to know if I can deposit a lumpsum into this account. If so, what ...
31
votes
5answers
6k views

Short term parking of a large inheritance?

What are the options available for safe, short-term parking of funds? Today I received an inheritance check for $250,000 (I am in the U.S) and I don't know what to do with it – at least in the short ...
1
vote
2answers
344 views

Saving/ Investing a lump sum

I have recently come to a settlement agreement with my employer, to terminate my contract. As part of the agreement, I am expecting to receive a pay off in one lump sum. I do not have any immediate ...
0
votes
2answers
765 views

Value averaging vs lump sum

I know there is evidence out there which suggests that a lump sum investing approach will outperform a dollar-cost averaging approach approximately 2/3 of the time, e.g. https://pressroom.vanguard.com/...
0
votes
5answers
490 views

Lump sum investment vs SIP when I have the lump sum

I am fresh out of college and placed with a good job. It's been two months now and I have with me (after making all deductions): Two months salary Signing bonus = Equivalent to another 1.5 months of ...
15
votes
2answers
22k views

Can I make a lump sum contribution to my employer's 401(k) plan?

I recently sold a rental property and have a surplus of cash sitting around. If possible, I'd like to make a lump sum contribution to my employer's 401(k) plan. Is that possible? Or would I need to ...
2
votes
1answer
405 views

Lump Sum Investing vs. Dollar Cost Averaging (as a Long Term Investor)

My company has an employee stock program in which employees put a percentage of their paycheck into the company for a period of time, after which they can purchase shares at the lower of the start and ...
2
votes
1answer
47 views

Will a lump sum payout reduce charitable contribution?

By receiving a lump sum payout from an annuity, which increases my AGI, will it reduce the percentage I can claim for a charitable contribution? Any help would be appreciated. Thank you.
4
votes
2answers
505 views

Is accepting a pension cashout (either on retirement or termination of employment) better than an annuity?

After the vesting period, all funds my employer contributes to the pension fund on my behalf are listed as being "mine", and upon end of employment (retirement, voluntary termination, etc), I have the ...
15
votes
4answers
11k views

Got a “personal” bonus from my boss. Do I have to pay taxes and if so, how do I go about that?

For meeting some personal goals my boss gave me a promised $20K check. This check is not a part of the company payroll. I assume it's too large to just deposit it and forget about it with out the ...
2
votes
1answer
1k views

How to calculate lump sum required to generate desired monthly income?

Suppose my monthly expenses are $500. I want to ask a charity foundation to finance my scientific research by one-time payment intended to cover all my monthly expenses during my lifetime. How to ...
2
votes
1answer
247 views

PV problem: lump sum payoff or continue quarterly payments

I am is faced with a choice of two alternatives. There really is no right or wrong answer, I just want to hear someone else's input/methodology. Here are the two choices: Keep paying $5,722.56 for ...
10
votes
4answers
288 views

How should my nearing-retirement parents handle a lump sum?

My parents are about 5 years from retirement age. Their combined income is around $20,000 a year. They live in a very low cost-of-living area, so they live a pretty simple life without many frills. ...
10
votes
7answers
1k views

What should I do with my $10K windfall, given these options?

Let's say you get a $10k windfall. How do you determine what is the best thing to spend it on? We need a new roof. Our mortgage is moderately underwater but not in bad shape and we are content where ...
10
votes
2answers
864 views

I inherited a lump sum and paid off my debts. How can I preserve the value of remaining capital?

I managed to benefit from an inheritance lump sum payment overseas. After paying off my debts, I will still have majority of that inheritance lump sum. My goal for that money is to preserve its value. ...
23
votes
3answers
4k views

Paying off student loans early/lump sum — best practices?

My wife & I have run into a large sum of cash recently and are interested in paying off/paying down our student loans -- about $30k between us, at about 6.5% avg interest. We're both earning ...