My grandmother passed away just over a year ago and I inherited a portion of her annuity. I sat on it this long to see what taxes I would be accountable for, as well as make sure I didn't make any rash decisions. Little did I know the S&P would climb nearly 20%. After the tax season I plan on investing in index funds and putting a portion in a high interest checking account at 3%. I'm 32 years old, single, 401k and Roth maxed, and only debt is a mortgage at 3.5%. I've seen studies that historically show investing a windfall as a lump sum wins ~70% vs a series of investments over time, however it's hard to pull the trigger when the market is riding an all time high and has felt like it's been due for a correction for several years. What are yalls take on an investing strategy?