Related Posts
How much hard cash do you all keep on hand?
AIR members: Monday don’t miss a Presentation by Frost and Sea. A drill down into how to’s, do’s and don’ts, brand exposure as growth across social media platforms Instagram, Facebook and LinkedIn.
Not and AIR member, log onto the website to join now! (Independent Representatives only)
https://allianceofindiereps.club/join-the-alliance
Any tips on refinancing student loans?
More Posts
What’s your hype up song this week?
Additional Posts in Personal Investment Chatter
How much hard cash do you all keep on hand?
New to Fishbowl?
unlock all discussions on Fishbowl.



I personally would invest everything today.
If you can live with ups and downs, put it all in today. If DCA helps you emotionally, DCA. At the end of the day, no one knows where market will be in 1 year, but odds are that in 40 years it will be way up, so DCA over 1 yr vs investing all today is small. All about how you deal with investing emotionally IMO.
Rising Star
Lump sum, for time in market vs timing market.
Read a blog post running numbers on this that found that maxing 401k at beginning of year (without disrupting company match; S&P500 index) won out for most years vs DCA.
Bowl Leader
I would DCA the 401k and lump sum the rest. Odds are your 401k is limited to a portion of your salary anyway. If you do decide to max it early make sure you will still get the full employer match if applicable.
Edit - rereading you probably mean you have cash in your 401k. I'd still split the difference personally but historically lump sum is the better answer most of the time.
DCA over a Year... we don't know if it will get worst.
We don’t know it won’t get better
Put it all in. Quit thinking about it. Don’t look back. And continue to contribute.
There’s a good vanguard white paper on DCA vs lump sum - should be easy to find. Lump sum wins most of the time - but not all. I wasn’t able to find the underlying research on the cases when lump sum didn’t win. Of course, Vanguard wants your money in the market, so …. Unless you are DCAing over a very long period, lump sum is prob the best. Unfortunately the market is high now and a lot of chatter about recession on the horizon so the next few years might be volatile.