Despite having read that it is statistically better to just get all in in one go, I can't get past the psychology of wanting to drip feed my initial lump sum to the market.

Not over months, just across a few weeks, but multioke times a day, and by watching the market move throughout.

For reference I'm buying roughly the following ratios, looking to start with £20k, add about £250 a month, and hold for about 20 years. It's an ISA. - vanguard all-world (75%) - vanguard high-yield dividends (10%) - vanguard global bonds (15%)

My question is: am I nuts doing this? I imagine I'll do it each month with the monthly £250 too.

I appreciate it will be more stress for me, but is there also a financial downside?

My other question is whether it is good to hold back cash to add on weeks/months when the etfs have fallen over the previous month to get a bit of a discount, and hold off on months its gone up a lot over the previous month?