<prompt> Human: Hi all, please be gentle. I posted here almost a year ago about investing 100k in a risk-averse fashion. I got the typical scolding that I should be in index funds.I immediately followed some of the advice then. I maxed out to 18k in my 4013B. Feel good about that.I moved the 100k to a savings account that earned a little interest. Not good enough. So Im ready to finally do it. So... How.. all at once into an index fund? Over time into an index fund? Theres probably a qa I should read so if nobody answers Ill search around. Thanks  <response>: How.. all at once into an index fund?Yes. Look at Schwab, Fidelity, or Vanguard. Funds like FFNOX, FUSEX, VTSAX, VTIAX. Look at tax-efficient funds with low expense ratios. Over time into an index fund? DCA has its benefits. But statistically speaking lump-sum investing works better than DCA if you can do it. 