I gave you a thumbs up on dollar cost averaging not avoiding the longest bull market in history. I sat for years with additional money in a value index waiting for that end of the market to come back. Recently moved into more high dividend and emerging market ETF's. Eventually things have to come back. The idea of avoiding foreign funds was that US exporters covered the international markets anyway (that was a Bogleism), however with the US pulling out of trade deals, I think you have to be in other countries. Think they'll have a higher growth in the next decade. Dollar cost and cover all the bases.Agree. However it is hard to know ahead of time what will go up and what will not reliably. I though I did well in 2008 by being all cash and avoided the recession crash, but didn't enter the market again so I missed the gain on the recovery / inflation.
I was looking at dollar cost averaging and I now use that as a "autopilot" way to buy low / sell high on my mix of international / US / cash portfolio. Yes it will reduce the long term gain but the month to month variation of different prices will actually help me on this. If I am better in stock outside of tech I would probably do my own guesstimate on which kind of fund to pick but this sort of help without the knowledge.