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investing the lump sum NEAR a market bottom  ( and very nice work IF you can do that  ) should win UNLESS you , say waited  until 2011 to buy in ( missing 3 years of gains , and divs )

 and THAT is the quandary we all face ( although the chartists  try very hard ,  to minimize their buying price , via  prediction )

so  IF you bought today ( actually before mid-February ) you are still trying for the maximum returns possible  for you ( i bought into VAS in 2011  and bought 5 parcels as it slid lower  , and during 2011  from $59.70 down to  $52.70  , in 9 months )

 so buying almost anytime in 2011 was better than yesterday  ,  but buying yesterday MIGHT still be much better than next year ( because of the extra divs . ) than buying 5% cheaper in 2023

 and that is the balancing act  ... now IF your term deposit was  paying you 5% a year ( which i doubt it is currently ) that would make it all harder to choose from

 with a 3 monthly payer ( especially if you DRP ) that is the dilemma you are faced with  time IN the market ( divs collected ) versus  $$$ paid  to buy in

 instead of buying ( say ) monthly , i try to buy each time it goes below the previous low price , i bought at , BUT i hold hundreds of shares  , so when VAS is too dear , maybe BHP  , FMG or WES is a good price  , your current plan with just two holdings only gives you limited options , but that might be perfect for you