Vanguard ran the numbers across decades: lump sum beat spreading it out 68% of the time in the US, by about 2.4% on average over a year. That still does not make DCA dumb. If going all in now would keep you up at night, drip feeding $VOO from each paycheck beats sitting in cash every time. I am team get invested & stay invested. Waiting for the perfect dip usually just costs you time in the market. Got a chunk of cash sitting there right now, are you dumping it all into $VOO today or dripping it in? Where do you stand?
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3 Comments
Jason
@jason_the_blerd · 4h
Yea just put it all in
Michael Conroy
@conroy119 · 2h
Shael @nickel333 · 2h
Depends on what your risk tolerance is. If you lump sum and have trouble sleeping at night over it, it’s better to DCA, imo.
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