Lump sum VS DCA investing

There's no need for agreement or belief. Just based on statistics and situation kua.

eg.
1. Inheritance / Windfall - long term (>10=years) holding with re-balancing:
Lump Sum in to a few asset categories & within each asset category, diversify
BEATS
put in FD and slowly DCA into the same assets
BUT
short-term, good luck in ignoring the gyrations - ini human punya pasal, not markets nor vehicles .

2. Working stiff, making $ to survive, saving & investing for long term
where got lump sum to invest unless significant sudden bonus/commission? ie. in comparison to the sum saved monthly for investing. Thus DCA win liao lor

Thus, investing like martial arts - no such thing as BEST EVER kung-fu for ALL situations.

This post has been edited by wongmunkeong: Nov 19 2017, 10:56 AM