Lump sum vs. DCA?

And to be honest, unless you are done with earning for life (which I assume you are not), you will be “DCA-ing” one way or another, whether you lump sum this amount or not. :slight_smile:

Perhaps compare the amount to your yearly savings, that might give you another perspective on the significance of worrying about this decision.
If you will have another 60k saved in a year, then why bother DCA-ing these 60k.

I setup a mini-approach in my IPS with windfalls depending on their proportion to total portfolio (e.g. less than 10% - lump sum it in, otherwise break it into pieces and go stepwise), and act accordingly.
Because I simply “feel” better not dumping in significant money at once; even though it might be “irrational”.

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