Distributing large size influx of cash into your portfolio

Hi Dan,

I have recently received some family money that I have added to my portfolio and now makes up about 50% of my portfolio. I wanted to hear your thoughts on allocating a large sum of money to an existing portfolio.

A simple approach would be to simply add to my existing holdings such that their weighting in my portfolio doesn’t change.

There could be some thought given to valuations though I suppose. Focus more on adding to some of the names that have been beaten down recently (e.g., CSU) and avoid adding to the holdings that have run up quite a bit lately (e.g., GOOG).

Let me know your thoughts.

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Asked on December 14, 2025 9:27 pm

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Whenever I get a large influx of cash, I generally do what you have mentioned. I take the proceeds and just distribute it to my existing holdings. For example, when I sold Starbucks in my RRSP, I took the proceeds and spread it out through the remaining 7-8 US holdings inside of my RRSP.

If my allocations were trending downwards or upwards from my targets, I could very easily add more to particular positions or avoid particular positions as well. For example, if I had an influx of cash in terms of USD right now, my allocation to Google is over and above what I typically would like. So in this instance, I wouldn't add.

Obviously a lot of this depends on your goals/time horizon etc. The longer it is, historically the better off investors have been "lump summing" the money. However, there are a lot of particular situations I might not know about (you want to buy a house in a year, you want to buy a car next month, etc) that can change this.

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Posted by Dan Kent

Answered on December 17, 2025 8:08 am

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