{ "media_type": "text", "post_content": "Just got an unexpected large sum of money. How quickly should I DCA it into the market?", "post_id": "5fb939da377e800024d831be", "reply_count": 5, "vote_count": 3, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Just got an unexpected large sum of money. How quickly should I DCA it into the market?

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DCA is over-rated - market goes up in general so more likely than not you will just be investing at higher point the longer you wait. If you REALLY want to spread it out, just to like 1/3rd per month for three months. Much better to spend time thinking hard about what your time horizon is, where you’ll invest it, what future needs you’ll have, etc.

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Agreed. Only reason to DCA is if your risk tolerance is low and you think you’ll do something stupid if you lump sum and market drops 10% the next week.

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I'd do it over the next few months with the goal of everything invested by March 2021

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What’s DCA?

Dollar Cost Average

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