Hello all,
I need help, i screwed up royally, the end of 2019, my old employer was moving their 401K to a new company, and I decided to transfer it to my vanguard as an IRA rollover. at first I felt really good that it missed the 2020 market crash, but like an idiot i never actually used the money to purchase shares of anything. i am so mad at myself that i missed out on huge gains over the course of 2020, and that money is still just sitting there as a rollover.
i am so fearful that the minute i dump it into my IRA that has VTSAX that the market will tank, i have also been waiting/hoping for a drop to dump it in, even though i know i should not try to time the market.
i feel so dumb. what should i do at this point?
Thank you all