Timing my next S&P 500 Lump Sum (10k-12k) considering Midterms and Geopolitical Volatility?
u/Livid-Cat3293 ·
Reddit — r/stocks
· April 01, 2026 at 19:05
· ⬆ 21 pts
· 💬 51 comments
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I’ve been a long-term S&P 500 investor for about 5 years now. Due to high international wire transfer fees ($50 per transfer), DCA is not a viable option for me. Instead, I usually do a Lump Sum of 10k–$12k USD about 2 or 3 times a year
I had some bad luck with my timing earlier this year: I invested in mid-January, the day before Trump started the Greenland crisis, and the index has been falling ever since.
I understand long term investors shouldn't be that concerned and I have no plans to withdraw funds for at least a decade, but I’d like to optimize my next investment as much as possible
1. **Midterm Elections:** historically, months leading up to midterm elections tend to be volatile, followed by a year of good performance. Would it be wiser to wait until late October/early November to invest?
2. **Iran War:** is right now a better time to invest, considering current prices?
What are your personal strategies for investment this year?
thanks