You give this advice like it's a choice. I invest monthly because I get paid monthly. I invest lump sums when I get windfalls, like bonuses, likely because I

You give this advice like it's a choice. I invest monthly because I get paid monthly. I invest lump sums when I get windfalls, like bonuses, likely because I haven't invested as much as I want because my repayment mortgage (saving me 2-3%/annum) eats all my monthly income. I sell everything when I need to buy a property because I'm not rich enough to use my stocks as collateral.