Lump Sum Investing vs Dollar Cost Averaging | The Best Approach

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  • เผยแพร่เมื่อ 11 ธ.ค. 2024

ความคิดเห็น • 123

  • @bobbyomari5500
    @bobbyomari5500 3 ปีที่แล้ว +13

    I was thinking about this today as I dumped $6000 into my Vanguard Roth IRA. Glad I just did the max contribution and carried on with my life!

  • @deeptoot1453
    @deeptoot1453 2 ปีที่แล้ว +10

    I literally came to the lump sum conclusion after doing days and days of research and in Amsterdam every scenario I ran, lump sum won over dca which I couldn't grasp at the the time (days ago) but it makes perfect statistical sense. I think dca is all about when markets are actively crash and you're the average emotional investor. If you have a good plan, stick to it.

  • @fredericbrown8871
    @fredericbrown8871 3 ปีที่แล้ว +39

    The 'right' advice: Investing the lump sum ASAP is statistically advantageous. The 'good' advice: If you're paralyzed and delaying investing, just start DCAing that sum right now and stop thinking about it! The behavioral angle is paramount and if someone is stressed out at the idea of going all in with a lump sum, they're statistically better off to go with DCA it away immediately than wait (presumably months or years) for when they will muster the courage to invest it all at once anyway. I like the holistic approach I've seen so far in your videos!

    • @tmbrown1755
      @tmbrown1755 3 ปีที่แล้ว +5

      I'm paralyzed and delaying so this makes sense.

    • @DavidEVogel
      @DavidEVogel 3 ปีที่แล้ว +5

      @@tmbrown1755 Ha ha. If I have a buy plan, I write it down and include a spreadsheet with dates and dollar amounts. $10,000 cash to invest is $833/month for the next 12 months. If the market is up or down stick with the plan.

    • @tmbrown1755
      @tmbrown1755 3 ปีที่แล้ว +5

      @@DavidEVogel Thank you. You just gave me the kick start I needed. 🙌💯

    • @jlina
      @jlina 2 ปีที่แล้ว +1

      You are right! I've been frozen for a whole year and havent invested it was a stupid move I should have DCA.

    • @fredericbrown8871
      @fredericbrown8871 2 ปีที่แล้ว +1

      @@jlina Well, nobody could have forecasted this year's return, but this is the very reason it's better late than never and that if DCA is less stressful and allow someone to fight paralysis, whether it's the optimal option isn't what's more important.

  • @kingv911
    @kingv911 3 ปีที่แล้ว +32

    These kind of local, common sense videos are what make be feel better about my slow and steady investment strategy.

  • @QUINTUSMAXIMUS
    @QUINTUSMAXIMUS 2 ปีที่แล้ว +5

    I do lump sum because I get a decent amount of cash twice a year, so it's easier for me to put my funds into various growth stocks and dividend stocks. I use my dividend stocks to sort of take advantage of DCA in a way.

  • @vinayakpatankar2551
    @vinayakpatankar2551 3 ปีที่แล้ว +3

    Best approach is lumpsum investing and then depending on asset allocation if equities are down..move funds which are in profit for eg bonds to equities to get back to original percentage for 60:40 or whatever your allocation is

  • @tylerowens2192
    @tylerowens2192 ปีที่แล้ว +2

    If you read the study carefully, they run DCA over a max of a 3 year period vs LSI. Meaning, if your DCA doesnt equal the LSI amount within 3 years, your losing our more. Most people would not have $100K invested within 3 years by DCA. Hopefully this makes sense.

  • @PaulJLipsky
    @PaulJLipsky 3 ปีที่แล้ว +4

    This was a fantastic explanation! Thank you!

  • @Mattb81
    @Mattb81 3 ปีที่แล้ว +3

    I’ve been dollar cost averaging for years BUT when there’s been a market correction like march/April 2020 I’ve bought a bit more.

    • @guanafd
      @guanafd 2 ปีที่แล้ว +1

      That's my plan, I am entering my second year of investing and I hate emotions so I will dca for my whole investing career, just to take advantage of the voids to come in my way.

  • @jeffbonds3850
    @jeffbonds3850 3 ปีที่แล้ว +4

    why not dollar cost average with an investment opportunity fund have a pocket of money that you have set aside to throw at the market in a drop if it drops a certain amount you throw x% in if it drops more you throw more kinda thing and just build it back up after sure the market could go lower im not saying try to hit the exact bottom just if an abnormal drop happens throw some extra money at it

  • @Delion420
    @Delion420 2 ปีที่แล้ว

    Not sure if that’s your standard quote but it’s a good one. Best money advice, period.

  • @srf2112
    @srf2112 2 ปีที่แล้ว +2

    I would like to see a video on DCA vs lump sum investing in a portfolio comprised strictly of equities and no bonds. I have no idea but I'm wondering if not having the stabilizing effect of bonds would alter the results significantly ... just a hypothesis that it might. Thank you.

  • @utah32804
    @utah32804 3 ปีที่แล้ว +1

    When is the best time to invest your money, all at once or a little at a time? Reminds me of the old fisherman's advise to the question, "When is the best time to go fishing?" It's obvious, when you can.

  • @TochkaZreniya
    @TochkaZreniya 3 ปีที่แล้ว +21

    Hey Rob - love the videos. Just a note on the technical side, it seems the sound volume is quite low, so when the ads cut in they're very loud.

    • @waterdd1
      @waterdd1 2 ปีที่แล้ว +1

      Ditto

  • @blossomfire5648
    @blossomfire5648 3 ปีที่แล้ว +3

    I appreciate these tips, thank you.

  • @FredBerger11.11
    @FredBerger11.11 3 ปีที่แล้ว +2

    Simple but great example Rob. Just Subscribed. TY

  • @andreadiotallevi5780
    @andreadiotallevi5780 3 ปีที่แล้ว +2

    Really good video. The best on youtube on this matter.

  • @robertbrandmeier2353
    @robertbrandmeier2353 2 ปีที่แล้ว +2

    Rob, just found you on youtube. I've only watched a few of videos so far. I rarely leave comments, but wanted to let you know how much I enjoy your content. Really appreciate your holistic practical approach and the references to relevant research. Great work and thanks again!

  • @davidtang1828
    @davidtang1828 3 ปีที่แล้ว +1

    Super insightful! Thanks Rob!

  • @srourfamily
    @srourfamily 3 หลายเดือนก่อน

    wow for my friends just keep investing and be in for long term!! dollar average cost is the simple way invest in consistent!!! enjoy the way reduce debt and add more when the stocks are down!!

  • @baybay7898
    @baybay7898 3 ปีที่แล้ว +2

    Great topic. Thank you.

  • @PhilipTaylorCPA
    @PhilipTaylorCPA 3 ปีที่แล้ว +3

    Here we go!!

  • @johntirish
    @johntirish 3 ปีที่แล้ว +3

    Very good video. Thanks

  • @capnron65
    @capnron65 7 หลายเดือนก่อน

    Thanks Rob. I have a 401k rollover coming in the near future and this video was very helpful.

  • @krism1225
    @krism1225 3 ปีที่แล้ว +2

    Great video and information. Greetings from Romania!

  • @majesus19
    @majesus19 2 ปีที่แล้ว +4

    Thank you Rob. I was debating lump sum vs dollar cost average for sometime and you cleared it up from me. I also want to say your channel content is amazing. You are very knowledgeable, savvy, wise and an excellent lecturer. I thank you for your channel. It has helped me with my investments tremendously.

  • @NardiPaffon
    @NardiPaffon 3 ปีที่แล้ว +1

    What a fantastic video. Thanks a lot Rob, this was eye opening

  • @canpin
    @canpin 3 ปีที่แล้ว +4

    For SP500, long term its ALWAYS going up-again, long term, so LUMP SUM will put my money at the lower part earlier of the line graph. This LUMP sum is more advantageous.
    Individual Stock picking could be a different story.

  • @cliffordphillips305
    @cliffordphillips305 3 ปีที่แล้ว +1

    What I don't understand is why everyone is comparing lump-sum investing to Dollar-cost averaging? If you read most of the old investment books they don't do that! They talk about lump-sum investing and compare it to the Constant dollar plan, the fixed ratio plan, and the variable-ratio plan. They do compare " Stock price averaging" and "Dollar Cost Averaging". While it is possible to take a lump sum and split it up and invest it over time why would anyone want to do that? That would be like do you want to put all your money in the bank at once, so you get the greatest benefits from compound interest, or keep it under your bed, and slowly put it in the bank over time? One should understand that mutual funds and Dollar-cost Averaging were designed for small investors that do not have a lump sum and are taking money out of their paycheck and investing it.

  • @yishen2461
    @yishen2461 3 ปีที่แล้ว +1

    great channel Rob - subscribed!

  • @shaffawaffa5
    @shaffawaffa5 4 หลายเดือนก่อน

    Great job being transparent and honest about your thoughts. Good video overall. One thing I'm struggling with on the studies referenced in the video is the underlying assumption that the money that's not currently invested with a DCA approach is just sitting completely idle in cash. I don't know why this is the base assumption. For instance, I have money I am using to DCA now. Each day money is withdrawn and things are bought with it. But the cash itself is in a ~5% sweep account. So my cash is making me money while I'm DCAing. Who would just chill on a meaningful amount of cash when risk free options are available? Is there a study that models this more likely situation?

  • @guanafd
    @guanafd 2 ปีที่แล้ว

    Note to everybody: dollar cost average is better. Let me explain. Dca has to be used correctly, which means lump sum at the beginning, than after that if employed you set aside new money every month, that itself is the dollar cost average, if unemployed, selling small percentage of the portfolio to last you anywhere from 3 months to 6 months(including expenses) and dollar cost average from the sold shares. That way, you are lump sum and you are dca together, if the market goes down, the dca helps with the monthly contributions, if the market goes up ALL THE REST except the sum set aside for dca is going up.

  • @pwat7254
    @pwat7254 3 ปีที่แล้ว +4

    Great video! Volume a little low but great tips. The way I DCA is to wait for prices to dip down to the 200 exponential moving average on the 4hr chart and sometimes use the 50 exponential moving on the DAILY charts.

  • @davide.lionetti
    @davide.lionetti 2 ปีที่แล้ว

    amazing video! precious content, thank you!

  • @willyoctavianus8691
    @willyoctavianus8691 3 ปีที่แล้ว

    a good video... you explained logically.
    a great video... you explained it sincerely

  • @HipOperation99
    @HipOperation99 2 ปีที่แล้ว +3

    funny looking back, Lump some in early 2021, YES!!!! Lump sum late 2021. NOOOO

  • @jl2525
    @jl2525 3 ปีที่แล้ว +3

    This is gold! <

  • @rightshotphotography2576
    @rightshotphotography2576 6 วันที่ผ่านมา

    When they do the analysis where are they keeping the cash while DCAing? I’m getting a small pile of cash and will put in my bond fund then DCA or opportunistic re-balance!

  • @OnCashFlow
    @OnCashFlow 2 ปีที่แล้ว +2

    Great video, Rob! I like your common sense approach to this question. At my age, I would probably lump sum it, but then again I haven't ever suddenly came into a large lump sum of money before.

  • @aditya913
    @aditya913 2 ปีที่แล้ว

    Dollar cost averaging if you are 100% equity. Lumsum if you asset allocation between other asset classes: bonds/gold/crypto/em etc. you can rebalance them.

  • @nileskeller7195
    @nileskeller7195 3 ปีที่แล้ว

    Thanks for the video!

  • @pablo08034
    @pablo08034 3 ปีที่แล้ว +7

    Or perhaps split the difference-a portion for lump sum and a portion for DCA!

    • @stephen9609
      @stephen9609 3 ปีที่แล้ว

      Wouldn't that by definition just be DCA?

    • @ffnightranger
      @ffnightranger 3 ปีที่แล้ว +2

      @@stephen9609 In a way, but you can do it in a more frontloaded way. Like, you can invest 6k per year in a Roth IRA; so you could do something like, invest 3k in January and then DCA 3k throughout the other 11 months.

    • @WestCoastUSA546
      @WestCoastUSA546 2 ปีที่แล้ว

      @@stephen9609
      Yes and no.
      You allocate a large portion as a lump sum. Then distribute the rest as smaller portions than they would have been if devided equally for each month.

  • @canyonoverlook9937
    @canyonoverlook9937 3 ปีที่แล้ว +1

    What does overvalued really mean? All the money in the market consists of shares bought. It just goes down because people decide to sell for some reason. Some of the selling is brought about because the media highlights the fact that stocks are down and then some people panic and sell. Then more people panic. How much analysis is gone into the selling?

    • @carlbook2051
      @carlbook2051 3 ปีที่แล้ว

      Stock doesn't go down because people decide to sell. Someone is buying any time there is a sale.

  • @teutonalex
    @teutonalex 3 ปีที่แล้ว +1

    I got lucky and dumped most of my Roth 6k into the covid dip but now I just put it in on opening day anyway.

  • @MC-gj8fg
    @MC-gj8fg 3 ปีที่แล้ว +1

    I think the issue is simply the extraordinary state of this market. The market is not simply overvalued, but it's never been this high by a longshot. The high prior to the tech collapse was never exceeded for 13 years...13 years that any amount of lump sum money you committed just prior to the crash that wasn't working for you. In the current market I would never lump sum...I'd only consider DCA if I was to commit funds at all.

    • @DavidEVogel
      @DavidEVogel 3 ปีที่แล้ว

      Good points. The NASDAQ is up 41% over the past 12 months. Mom and pop investors pat themselves on the back for the paper gains. Professionals, on the other hand, know that this is too much too fast. They cut back on technology holdings.
      Average yourself in. You may catch the next market correction.

  • @MidwestMoney
    @MidwestMoney 3 ปีที่แล้ว +12

    Great video! I am in your position. I just doubled an investment in 1 stock after 1 year and cashed out. I want to preserve my gains while avoiding inflation. My plan is to go all-in on VOO. I don't need the money for at least 10 years. I don't see a point in DCA when the investment itself is low-risk. Plus the extra dividends you collect by going all-in right away should help offset any dips you may experience over time. I will then buy individual stocks for fun with each paycheck to motivate myself work overtime and to add a DCA aspect to my portfolio.

    • @El_Gualla
      @El_Gualla 3 ปีที่แล้ว +3

      I jus got in VONG. Good stuff.

    • @teutonalex
      @teutonalex 3 ปีที่แล้ว +1

      Agreed

  • @marklydon435
    @marklydon435 3 ปีที่แล้ว +1

    If i had a plan of DCA and the market tanked early i would have been ecstatic that i'd not lump summed. Might also abandon the planned lump sum dates and buy in each time everyone is going on about the world ending.

  • @elcordobes-i1h
    @elcordobes-i1h 3 ปีที่แล้ว +1

    When you went all in, how much are we talking about ?

  • @jamesrockford2626
    @jamesrockford2626 3 ปีที่แล้ว +3

    Dollar Cost Averaging is defensive Lump Sum is offensive.

  • @cd7732
    @cd7732 3 ปีที่แล้ว

    Great vid ☺️ thanks :)

  • @jamesrockford2626
    @jamesrockford2626 3 ปีที่แล้ว +1

    What about if 1929? 2000 or 2008 happen again? 40-60% dip you will wish you did Cost averaging. Given the current inflation and CPI metrics and given the poor planning of the Fed, a 20-40% dip is likely.

  • @fififinance7469
    @fififinance7469 3 ปีที่แล้ว +1

    Thumbs up! Keep churning! 👍

  • @scottlico
    @scottlico 3 ปีที่แล้ว

    Very helpful!

  • @koufax174
    @koufax174 ปีที่แล้ว

    Instead of S&P 500 for your 3 ETF portfolio what do you think of doing BRKB instead of S&P?

  • @higiniomorales459
    @higiniomorales459 ปีที่แล้ว +2

    The key is to lump sum half and then DCA the rest either weekly (48 week plan) or monthly (12 month plan), learned not to lump sum the entire sum in one shot last year when the S&P500 drop 20% just months after i maxed outy Roth and put ot all in into VTSAX.

  • @goldenbrown9447
    @goldenbrown9447 2 ปีที่แล้ว +2

    Great videos Rob!
    My take on this, since I am in this exact situation right now as of December of 2021, is a hybrid of DCA (dollar cost averaging) and lump sum investing. "My" logic in this particular economic environment is a 25% to 50% lump sum investment, along with DCA for 12 to 24 months. Of course if markets decline more abruptly a larger installment for that particular month or time frame may be more logical. One simple point to remember is that a lump sum at totally the wrong time could be extremely detrimental in a extended down market if you do not have a 10 year or longer time frame. Remember that if a stock or fund retreats by 50%, for example, that remaining amount has to go up by 100% to reach the same level prior to the decline. (100 - 50 = a 50% drop and a 100% increase from 50 gets you back up to 100) (Dividends do play a factor)
    I am 56 years old and retired with a lump sum to deposit. This is a different scenario than a 30-year-old with 25 or 30 years until retirement. Everyone's scenario is specific to their age and risk tolerance. FOMO (fear of missing out) makes for poor decision making more often than not. When you're older patience is a virtue.... In long-term investing its a necessity.

    • @Texasbird026
      @Texasbird026 2 ปีที่แล้ว

      What do you think about keeping 10 years expenses in cash/bonds (or until your social security adds to income) and lump sum the balance into the market since you won’t need that money for 10 years. I think it is the bucket approach. Does this keep two much money on the sidelines for too long? Maybe this is OK if it meets future likely inflation adjusted expenses.

    • @jlina
      @jlina 2 ปีที่แล้ว

      How did you do this year?

    • @infinitemonkey917
      @infinitemonkey917 2 ปีที่แล้ว

      I like that approach as a compromise between the numbers and peace of mind.

    • @thetjt
      @thetjt ปีที่แล้ว

      Very good post.
      If one is not that young and we're talking about big sum for closing in retirement then it's more important not to lose the money than to maximize all profit. Especially in current economic environment.
      I've invested 50% of my big lump sum during past ten months, and third of it to bond etfs. So I still have half left for good opportunities. It's also a nice protection against big crashes.

  • @Kl4x4
    @Kl4x4 2 ปีที่แล้ว

    I am no more interested in watching videos of how i turned 100$ into a million at age 19, thats bs...Rob your channel is a ship full of knowledge

  • @Jsuarez6
    @Jsuarez6 3 ปีที่แล้ว +4

    This guy makes some boring videos. Where's the get-rich-quick method? Where's the Lambo? LOL. Just kidding. Great, solid advice. Subbed.

  • @JareBareXP
    @JareBareXP 2 ปีที่แล้ว

    As a 26 yo iv seen the value of the dollar decrease overtime in the real world. With talks of minimum wage increasing to 14$ or what ever that would mean that ever other job needs to have an increase in pay other wise why would people work there and if employees are more expensive then the goods/products will be more expensive and over time the stocks I purchase RIGHT NOW with 7.50 being the minimum wage by the time they increase it to 14$ my now purchase stock should double in value based solely off the dollar amount. Eventually we'll be like Chinese yen and say a ridiculous number for basically a 10$ product.

  • @thavonephanthavongsa4962
    @thavonephanthavongsa4962 3 ปีที่แล้ว +2

    if you got lump sum is more profit potential you didnt mention the pros of lump sum and we all want more profit cause all your money is working at all times and in a bull market you be missing out on crazy gains

  • @osu122975
    @osu122975 2 ปีที่แล้ว

    If I have a lump sum I invest right away. I don't wanna think about that money sitting in my bank potentially not earning $. Of course it could go backwards but emotionally I want the biggest possible return. Minimizing loss isn't my main concern. I'll worry about that the closer I get to retirement. The market always goes higher than loss in the long run.
    Now if I don't have a lump sum then DCA every month would be my choice. Again, I don't want $ sitting around not potentially making me more.
    What is strange is when I run both scenarios of a $6k lump sum or $500/month for my roth using vtsax, portfoliovisualizer has dca ending up with a bigger return from 2003-2022. So.....lol.....IDK!

  • @70qq
    @70qq 2 ปีที่แล้ว

    thanks

  • @Omar-et7sb
    @Omar-et7sb 2 ปีที่แล้ว

    Every time you think you have figured out life, and are about to burst into happiness...
    Rob: "... the problem with that..." :P

  • @danielfarrell9161
    @danielfarrell9161 3 ปีที่แล้ว

    @Rob Berger ... Can you do a video that compares timing in a retirement account (457b, 401, TSP). For example, is it better to rush contribute the maximum or better to average it out over the year? Is is better to invest all of your money in the first six months or last six months? Or is there another period of time that is better to invest?
    Thanks!

    • @I..cast..fireball
      @I..cast..fireball 2 ปีที่แล้ว

      Statistically better to drop it all in if you have it in cash, but if you have it in cash, that means you were already trying to the the market.

  • @hardykornfeld1733
    @hardykornfeld1733 3 ปีที่แล้ว

    Would the opposite apply? Is there a statistical benefit to taking an entire annual RMD from my rollover IRA at the beginning of the year? That calculation would have to factor parking some it in a short term treasury fund or other pot to dole out for expenses over the year.

    • @DavidEVogel
      @DavidEVogel 3 ปีที่แล้ว

      Picking a redemption date has no advantage. January 1 is as effective as any other day. You will find plenty of "best time to sell" advice with a google search. But the deviation is so big that the recommendation is ineffective.

  • @arunkutube
    @arunkutube 3 ปีที่แล้ว +1

    Thanks for the videos, what would you suggest should be the length of DCA ?

    • @rob_berger
      @rob_berger  3 ปีที่แล้ว +3

      There's no one answer to that. For me, it would be a short as I was comfortable with. As for what most people do that use DCA to invest a windfall, I just don't know. My guess would be one year, but that's just a guess.

  • @realreviews2003
    @realreviews2003 3 ปีที่แล้ว

    Rob, like a lot of your videos, and I know many people agree with you on this notion of lump sum vs dca. But I wonder what your thoughts are on a video done by "Math and Money Academy" called "The surprising advantages of dca". Personally, I have developed a model portfolio that utilizes ETFs and Stocks both. With a lump sum I plan to invest in each individual ETF and Stock as opportunity presents itself over the years. I suppose this is a form of dca and I just think in the long haul it will be a better option. Again, I think much of what you share is very valuable for viewers.

  • @simoneorecchioni7352
    @simoneorecchioni7352 3 ปีที่แล้ว

    Maybe the better way is the mixed approach

  • @lw9936
    @lw9936 3 ปีที่แล้ว +3

    A great information! thanks a lot!
    Do you recommend to hold on investment, not to sell during stock market down turns?

  • @De1n1ol
    @De1n1ol ปีที่แล้ว

    Can someone please explain why I should stick to my plan if market goes down? I am a complete newbie and to me it looks like a better idea to start invest more when market drops sharply

  • @the145kinga
    @the145kinga 2 ปีที่แล้ว

    Slow and study win the race

  • @TheBrightFuture30Channel
    @TheBrightFuture30Channel 2 ปีที่แล้ว

    Do a lump sum but don’t put all your eggs in one basket. I would invest 50% on a S&P 500 and the other to a Total Stock Market (small, medium, and large cap companies). This way, your investments can tolerate market volatility and see your money grow faster and compound over the years until you reach 59 1/2.

    • @drag0..
      @drag0.. ปีที่แล้ว +3

      There’s no point in having both they have too much of an overlap of the same stocks

    • @TheBrightFuture30Channel
      @TheBrightFuture30Channel ปีที่แล้ว

      @@drag0.. I learned that about a year ago.

    • @TheBrightFuture30Channel
      @TheBrightFuture30Channel ปีที่แล้ว

      @@drag0.. I learned that about a year ago.

  • @catherinekriz5167
    @catherinekriz5167 3 ปีที่แล้ว +1

    Have a 100 thousand in bank to invest. Been afraid to go ahead with complete amount. Have close to 50 thousand to keep for emergency. Should I go ahead and invest in this unstable market. Is my money insured if I switch from bank to broker

    • @jlina
      @jlina 2 ปีที่แล้ว

      No it's not insured if it is actually in the stock market.

  • @JeanPierre-yt5up
    @JeanPierre-yt5up ปีที่แล้ว

    Hi Rob😀😀 , I'm a BIG fan of yours! Please tell me how I would invest 1,100,000 .I was going to lump sum 500k and DCA 20k each month for 30 months in S&P 500 . Can you PLEASE give me advice? Thank you very much!

  • @KevenJoslin
    @KevenJoslin 3 ปีที่แล้ว +2

    In what increments do I DCA, monthly, bi-weekly, etc

    • @baybay7898
      @baybay7898 3 ปีที่แล้ว +3

      most people do monthly.

    • @TheSmartLawyer
      @TheSmartLawyer 3 ปีที่แล้ว

      Weekly or biweekly contributions in an amount you can easily afford is easier on a budget

    • @robertswift6101
      @robertswift6101 10 หลายเดือนก่อน

      only on red days

  • @shroud4269
    @shroud4269 2 ปีที่แล้ว

    I just DCA weekly and lumpsum on the 1st of every month lol 🤷‍♂️

  • @LV-ei1ce
    @LV-ei1ce 2 ปีที่แล้ว

    Sir you are full of wisdom. I’m starting to invest now with 20K, I’m 31 :( is it too late to build the snowball ?. Now matter what I do, I don’t see more than 2 million in 10 years even if I invest 5000$ per month

  • @canyonoverlook9937
    @canyonoverlook9937 3 ปีที่แล้ว +3

    You have to look at it like you could have always done better investing. You could have bought Tesla 10 years ago but you didn't. You could have had a 30 percent stock and 70 percent bond portfolio from 2000- 2009. You could always have done things differently and made more money looking back.

  • @theYoutubeHandle
    @theYoutubeHandle ปีที่แล้ว

    80% lump sum, and 20% DCA.

  • @RFinkle2
    @RFinkle2 2 ปีที่แล้ว

    Super helpful!
    Is it possible that lump sum may be better for less-volatile, less-risky investments and perhaps better to DCA into more volatile, growth-oriented stocks? I'm wondering if you could devise a strategy based on investing a percentage of a lump sum, where stable equities (i.e. large value) are purchased whenever they're cheap with monthly purchases of growth for a given time period.
    Sound too complicated?

  • @Brownbeltforever
    @Brownbeltforever 2 ปีที่แล้ว +1

    Anyone ever tell you that you sound just like David Letterman?

  • @JosephJ.SaporitoJr
    @JosephJ.SaporitoJr ปีที่แล้ว

    Great video. Thanks!