Is VT still too expensive in your view?
You had a plan and seem to be reluctant to follow it now, can you spell out the factors that make you question the choices you had made then?
If VT is at a good enough price now, lumpsumming in would be a way to make your move and be done with it.
On the other hand, DCA is likely to minimize regrets. The psychology behind the approach varies depending on the actual amount you are wanting to invest. I’d set myself a target no longer than 1 year (6 months for lower amounts) and set my investing frequency to the frequency at which I’m having thoughts about the market. Monthly by default but if I’m thinking about it constently, I may go for weekly and if every swing makes me think I timed my investment improperly and I was using a low friction (low fees) investing option, daily may even become an option.
For stocks:
- Dev ex-US;
- EM;
- SCV (US, world or focused on countries whose economy you are bullish on).
Outside of stocks:
- CHF fixed income options: Short guide to CHF fixed income options ;
- gold.