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Say you currently have funds sitting on the sideline in cash. You want to invest those funds to grow your wealth.
What is best... Should you invest all of the money at once (lump sum)?
OR
Should you dollar cost average those funds into financial markets over some period of time?
In volatile times right now, the answer seems to clearly be towards dollar cost averaging. After all, its quite nerve racking to put a large sum of money into the markets right now.
But then what period of time should we dollar cost average for?
And what is the data shows lump sum investing is better?
In this Wealth Wednesday today, we are going to cover the hard data around this common personal finance question and give you the clarity (AND CONFIDENCE) to make these decisions in your retirement.
0:00 What is the Best Investing Strategy?
0:56 Dollar Cost Averaging vs. Lump Sum Investing
1:31 The Fear of Lump Sum Investing
5:03 A Lump Sum vs. DCA Thought Experiment
7:09 How the DCA vs Lump Sum Study was Run
9:26 Historical Stock Results
14:55 Does Dollar Cost Averaging Lead to Lower Volatility
16:57 Historical 60/40 Results
19:32 Historical Bond Results
20:05 Monte Carlo Stock Results: Lump Sum vs. DCA
21:31 Which is Best Based on the Data
22:48 An Alternative Dollar Cost Averaging Strategy
26:11 Additional Variables to Consider
#DollarCostAveraging #LumpSumInvesting #RetirementPlanning
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Always remember, "You Don't Need More Money; You Need a Better Plan"
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