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Saving goal
Investing a lump sum
An inheritance, a bonus or a sale can leave you with capital to invest all at once, rather than building it up month by month. The real question is rarely whether to invest it, but how.
When the money is already there
All at once, or in stages
A lump sum can be invested immediately or spread out over a few months. Both approaches have their merits, and the choice comes down more to how you handle risk than to what statistically performs best.
- Investing immediately
- Statistically, investing immediately tends to deliver a better outcome, since markets have historically risen more often than they have fallen.
- Spreading it out
- Spreading the purchase over a few months smooths out the risk and can feel more comfortable, especially with a large amount.
- The same principle as other saving
- Whichever way you invest the lump sum, the same principle applies: a long time horizon gives you room to ride out volatility.
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Guide
How to invest a lump sum
A lump sum often raises one particular question: all at once, or spread out over time?
- Investing immediately, statistically speaking
- Since markets have historically risen over most periods, investing immediately tends to outperform waiting or spreading out the purchase. The longer you wait to invest, the longer your money is out of the market.
- Spreading it out for peace of mind
- Splitting the amount into, say, three to six parts over as many months reduces the risk of investing right before a downturn. The cost is that part of the capital sits outside the market for a while.
- The size of the amount matters
- The larger the amount relative to your total wealth, the more reasonable it can be to spread out the investment, even though it statistically costs something in expected return.
- The time horizon matters more than the timing
- Whichever way the amount is invested, the time horizon matters more for the end result than exactly when the purchase happens.
Worth considering
Three questions before you invest
Before putting in a larger amount, it is worth having answers to these three questions.
01
How long is your horizon?
A lump sum that will stay invested for 10 years or more supports a higher share of equities than one you might need in a couple of years.
02
Do you already have a buffer?
A cash buffer for unexpected expenses should exist alongside the capital invested for the long term.
03
All at once, or spread out?
Both are reasonable choices. What matters is that the amount actually gets invested, not finding the perfect moment.
Launches 6 July 2026
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Available platforms
Amos Value opens for investment on 6 July 2026, on platforms you may already use.
Amos Value A (Acc)
ISIN: SE0029302199
Returns are automatically reinvested in the fund. The unit's value grows instead of being paid out, with nothing for you to do.
Not sure which suits you? Read more about the share classes →
More platforms will be added continuously
Past performance is not a guarantee of future returns. The money invested in the fund may increase or decrease in value and you may not get back the full amount invested. Read the fund's key information document and prospectus before investing.
Common questions about investing a lump sum
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