Happy New Year, bogleheads! I need your guidance on below - I have about $50k in my savings acc which I want to deploy. I have a Fidelity acc. I was thinking I will make a one time investment in - VOO (60%), VXUS (20%), BND (15%), IBIT (5%).
For context - 31M, no loans, $50K separately in HYSA (living in Boston), $200K invested mostly into US passive equity (60%) and Retirement 2060 fund (40%)
Mainly looking to understand -
1. Does my investment split and strategy look decent?
2. Are there any real cons of dollar averaging vs lump sum investment?
3. Should I diversify into international markets, if yes what and should I also look into silver/gold ETFs? This sounds against boglehead philosophy (atleast per my naive understanding)
Thanks in advance for your help!