Toss Up Single

All at once, or monthly, when nothing goes wrong?

The same hundred thousand and the same choice, in a market that simply gets on with it. No crash, no rescue, no clever timing. This is what the decision is worth in the ordinary case, which is the case you are most likely to get.

Employment Expenses Savings Account Investments

All at once

2 Goals

The whole inheritance goes into the market on day one.

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Employment Expenses Savings Account Investments

Monthly over a year

2 Goals

The same money goes in over twelve equal months, with the rest waiting in the savings account.

Try this plan

All at once Monthly over a year

In a market that behaves normally, the two land within ~£6k of each other after a lifetime. Spreading it out did not protect you and it did not cost you much either. The timing of this decision matters far less than making it.