Just finished transferring a significant sum over to an IRA from my prior employer due to fees and it occurred to me.....should I be dollar cost averaging in or simply take the entire amount and choose the same AA that I had with the 401k which was 20/80 bond/stock? Won't need to access these funds for 20 yrs. Depending on who you ask we are due for a correction. Not trying to time the market, but does anyone think it makes sense to place say 8-10% into my target AA for 12-14 months?