Do the principles of DCA still hold in today’s markets?

likefunny
Posting as :
works at
You are currently posting as works at

Why wouldn’t they? The whole point of DCA is that you can’t time the market, so don’t try. Today’s market is the case for DCA.

likesmart

Came here to actually ask the same question. Don’t understand why people ask if there’s an exception or asking to confirm their theory without giving any logic or rationale.

When would they not apply? That is the whole point of DCA.

like

Now (or in the next few months) is a great buying time - DCA is meant to take advantage of times like this

like

This is actually the time to put in more dollars if possible. You won't regret 5-7 yrs from now.

like

I’d argue valuations are still artificially inflated by recent monetary policy, and best to keep steady at this point

like

The advantage of DCA is time like these.If you stop at this point, you may end up buying same funds at higher prices. If it goes lower, that’s fine as well. At some point, markets will consolidate and reverse

like

The principles of DCA into a narrow range of ETFs has ironically led to a large concentration of wealth into very few entities. It depends on what you're DCA'ing into and whether it aligns with your investment thesis, the underlying economics, and your values.

likefunny

More so in bear markets

like

DCA is timeless. But I would be very careful with return expectations. The days of double digit annual returns we’ve seen last 20 years or so are likely disappearing given the major shift in fed policy that we have but seen in decades.

Been buying twice a month for 7 years, no chance I stop or change that. DCA is the reason I’ll be financially retired in my 30’s vs the average person going into retirement with less than 100k saved

DCA is basically a math formula. It doesn't change.

DCA result can trend either direction.

Related Posts

Planning to visit San Antonio for a day. What are some cool things to check out ?

like

Anyone know of adult recreational soccer leagues in San Diego? Any informal pickup leagues should work too. Would prefer something in La Jolla/north county but willing to drive to downtown!

Looking to move to San Antonio and we're looking at places in Alta Vista and El Dorado. Pros and cons? We have two kids under five, so looking for a nice family community with good schools.

like

P&T is ‘central to our FY23 strategy’ and yet we had to beg and plead to even get a handful of P&T Directors to represent at the Director CLeX happening this week in San Diego.

Not feeling the ‘one firm’ narrative we push - completely tone deaf and sends a horrible message for P&T Directors.

Major missed opportunity to start bridging the divide - particularly at a level where the real work gets done.

like

Hi there, I am looking for companies/referrals hiring AE roles right now. I have 4 years full sales cycle experience and have been a top rep at my HR Tech company located in San Diego. Looking for a hybrid role in San Diego or remote position. Anything would be helpful, thanks in advance!

like

Are Uber/Lyft drivers reluctant to drive from DC (Logan) to BWI?

Any CLT,NC businesses looking to hire for a Junior level Full stack developer / Junior Front-End Developer/ Technology Associate /Systems Engineer entry level / IT Support Engineer??

like

PM with 7 yrs experience with implementing DC migrations, cyber security and storage solutions. Looking to switch to inbound marketing or product management that has work life balance. Hiring in BOS?

like

Plan on visiting SFO this August and wanted to check if any F is up for drinks or dinner spend some quality time. Male 34 , tall 5 11, brown and happy to message and set up some time if we find each other interesting.

like

Hello people of San Diego! Would love to hear how y’all are affording to live here comfortably. Please state your company, position, TC, YOE, and do you have a side hustle? I’ll start - I’m an advisor in Wealth Management with TC of $70k, 3 YOE and no side hustle. Among other things, rent just jumped from $2500 to $3700 for 2 bedroom and areas were looking at. I’d like to “make it” here but if it means switching career to make money I’d like to get an idea to make the right job change.

like

What’s a reasonable salary/compensation package for a Director of Asset Management in San Diego, CA?

like

Hey Accenture Team!
I’m a L9 consultant based out of San Francisco, California who was impacted by recent lay off at Accenture. I wanted to understand as per WARN Act California employees are to be given at least 60 days notice, however I was only given 3 weeks notice. Can I challenge this?

like

Oh boy, they just paged “Mary and Joseph” in LGA C....

likefunny

Hi All, I was offered a role with Aecoms San Francisco office working with an energy client for a midlevel associate environmental planner. I wanted to gauge what is a general salary that ones been offered on this team. I felt lowballed at $79k/annual, initially offered 74k. This is given that I had 1.5 years in land use planning and a recent masters graduate in urban planning.

like

Ok -- let's hear it. Best restaurants in ATL - go! My parents are coming to town and I want to wow them, they are serious foodies and very adventurous. Tell me your recc's!!

like

27yo single male trying to plan my birthday next month. 8 bros are flying in from San Diego. Would love your suggestions for fun things to plan!

like
like

Wednesday fly day! The sun rising at ORD with the Chicago skyline in the distance, trying to warm the -22 degree air.

Post Photo
like

I’m moving to ATL in a few weeks and was wondering, how accurate is the ATLScoop IG page? Lol. Every time I watch the stories they post, I think dear god what am I getting myself into moving to Atlanta lol seems like all they really post on their stories are about crime. I’ve lived in DC so I’m not stranger to crime but it’s a little jarring how that seems to be the only thing ATLScoop posts

like

So how does the Uber PIN thing work at LGA? Whenever I request an UBER there, it just connects me with a driver. I don’t get a PIN for the cars queuing up.

More Posts

Hello Fishes,

Which Is better company to join for optum or ey?

Thanks

like

What’s a typical salary for a creative director in Miami (10+ years in advertising, but new to CD role)?

Is there a sport that's popular in the tech community? I don't dislike sports and I kind of want to pick up an interest that I can bond with people over. My guess is Basketball?

like

Looking to hire a senior developer. We are a Series A fintech company building tools for crypto space. US based. Happy to discuss any questions!

like

I just had a first round interview with BCG, I did ok in one of the interview and did great in the other one. What are my chances of moving to the next round? More info: Based in Canada, there are two 45 mins interview for first round.

likefunny

Best fall vacation destinations on a biglaw budget?

like

I always wonder if models actually feel worse about their looks than average people, since their job is based 100% on their appearance

like

Onboarding new member today. He is a PhD so has lots of theoretical knowledge but knows nothing about the business at large. Any suggested reading materials I can forward to him to help ramp up?

like

Hello,,,

I'm having 3 YOE in tech support domain and looking forward to change my domain in DS field.

Got the required skill sets as well, applied in many companies but still unable to get the calls. What could be the reason.

Is it because I'm fresher? Or the way of Approach?

Is anyone can help me it ll be helpful for me.

like

Can folks share their experiences of working during 2nd and 3rd trimesters? How hard was it? What accommodations or adjustments did you make? I’m only in my 1st trimester now but will be starting a new job in October (4 months before my due date) and am nervous about not being able to be at my best

You always hear mgrs/sr mgrs switching to industry to become a controller, but do controllers ever come into public accounting as a sr mgr or anything else??

likefunny

Senior manager vs director salary at doordash?

like

I feel like I’ve lost myself since joining McK. My whole world has become about work. I love my job but I’m not the same person I started and I feel I don’t connect with my friends and family the way I use to. I’m not sure if I’ve grown, or lost a part of myself. Is this growing up or do I need to make a career change?

likehelpful

Hey guys,
I’m currently a quality control analyst in the biopharma/gene therapy field making 72k base in the Houston area. I’ve been working here for 2 years and my company is well established and the job is easy, but I honestly just want higher pay. I see companies (smaller and larger) that potentially can give me that but would it be worth it? I’m having a hard time finding out what opportunities/paths I can take and what amount of $ would be worth moving jobs for. Any insight is appreciated!

like

#LTI - Larsen & Toubro Infotech is hiring for multiple #Data job profiles.

Interested for below jobs opportunity can DM me with Jobcode
4+ Yrs exp

Python developer -JR Code 957669
Azure Consultant -JR Code 446367
Data Science Consultant -JR Code 446347
GCP Consultant -JR Code 446327
Abinitio Developer -JR Code 446287
QlikView/Qliksense Consultant -JR Code 446267
Bigdata - Pyspark/Java+Saprk/Spark+Scala -JR Code 446247
Snowflake Consultant -JR Code 446227
Informatica Consultant (MDM/IDQ/PC) -

like

If you’re in a relationship (even a happy one), is flirting fine or walking a line? I think consistently flirting with the same person can be shaky, but what about strangers if you’re out?

like

Girl I went on a date with talked about how much money she makes doing Monat MLM. Anyone know much about this? Legit or scam?

like

Asked my manager whether the company sponsor for Product Owner certifications and he asked me to build/ create a case and share with him so that we can check with the higher management.

Any ideas/ guidance on how to go about it? Are there are templates for this?

like

You tired? Just do this. You’re welcome ☺️

Post Photo
likefunny

What are some great investment banks to work as an associate in the Washington DC area?

like

Additional Posts in Personal Investment Chatter

You'd be down 60% if you bought bitcoin with this person. Thanks for playing.

Post Photo
likefunny

Just a discussion thread, but I feel like this is a good bowl to ask this. Does anyone else look at the vast majority of folks around you and think “damn, we are so over leveraged as a society?” Or am I just crazy?

like

How do you make side moneys? Any apps or websites that would allow me to do work online and get paid? Thinking about bookkeeping gigs or something similar.

likehelpful

Can someone point me to some material where I can read about profit sharing vs 401k. I get the concept, but I am trying to understand is 10% profit sharing vested over 5 years better than an employee 401k match of 6%?

From my understanding 10% PS is better because it’s just a standard 10% on top of whatever I contribute though it takes 5 years to vest. Does this mean if I leave before 5 years I don’t get any of it?

like

Anyone having experience with opening a brokerage account for an organization (single member llc ideally)? I have a question regarding the set up.

like

Creating a 529 for myself before having kids…Should I setup a 529 for myself?

I don’t currently have kids but probably will in the future (31M, single now). Alternatively, I may go back to school at some point, or I’d be happy to disperse/gift the $$ to my nieces and nephews too… what’s my upside/downside?

like

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

like

Here we go again.

Post Photo
likefunny

How much hard cash do you all keep on hand?

likeuplifting

Anyone have a lawyer or personal finance advisor they trust and recommend in NYC? Post MBA and new to the city; I need to buckle down and finally get a will and outside $ advice on taxes.

HSA vs FSA. My current employer doesn’t offer HSA but, offers FSA. HSA is no brainer. But, not sure about FSA. Any advice??

like

I constantly see here peeps who are at $100k+ net worth at ages 29 or less. What is your salary and how did you do it? I’m nearing 30 and I’m not even close. Am I doing something wrong?

like

Tendies? 😊 🤚💎🤚

like

What applications do you use to view all of your investments in one place if you have multiple brokers / brokerage accounts?

like

I’m aiming to retire in 30 years, my current asset allocation between all my investment vehicles is 10% REITs, 10% Int. Equities, 10% bonds, 20% small cap equities, and 50% S&P 500. They are cont...

like

Alright, who’s going to short GameStop? +80% in intraday trading, +600% as of 2021. Per WSJ - the bull rally is fueled by individual investors encouraging each other to buy the stock.

likefunny

Parents- do you have UTMA/UGMA accounts for your children? Pros/cons over 529?

like

What percent should I save for my Roth IRA vs Roth 401k vs taxable liquid investments? I’m 23 & live in a HCOL & make 70k.

like

Dumb question but anyone know what’s going on with KO in 2021? End of 2020 had stock approaching $60/share but then it crashed below $50 in 2021.

likefunny

I have 200k in HYS. Currently have 1k in BTC. Id like to start DCA to diversify my investments. How do you recommend this? Should I buy a bunch outright and then start investing 5-10% of each paycheck?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal