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If you have $120k today and the choice is invest $120k immediately or $10k a month for the next 12 months, based on historical trends, it is better to invest th
by syntheticcdo 5y ago
If you have $120k today and the choice is invest $120k immediately or $10k a month for the next 12 months, based on historical trends, it is better to invest the 120k today -- studies have shown lump sum beats DCA about 2/3 of the time.
Naturally, if you have $0 today, but are going to have 10k of additional free cash each month for the next 12 months, then 10k each month as soon as possible beats waiting a year for the full 120k.