Exactaly right. And in part of the DCA strategy as you described I also DCA into a cash fund (liquidity fund) that can be used at a time I judge opportune. That

Exactaly right. And in part of the DCA strategy as you described I also DCA into a cash fund (liquidity fund) that can be used at a time I judge opportune. That is if there's a housing crash, I'll have a hard asset I can use to jump into that opportunity. Of if there's a market correction or crash, I'd be able to use a portion of that cash to buy low. It's not quite timing the market because the portion going into cash is scaled accordingly to how much is going into other types of funds and also has the benefit of being used if there's an emergency that requires a decent amount of liquidity. Having it all in liquidity would be a poor choice. Cash should only be a part of the overall strategy.