• Lump Sum Vs Dollar Cost Averaging #171

  • Apr 21 2025
  • Length: 15 mins
  • Podcast

Lump Sum Vs Dollar Cost Averaging #171

  • Summary

  • Which is better, lump sum investing or Dollar Cost Averaging? Bottom line, neither is significantly better, although lump sum investing statistically wins slightly. The more important factor in you building wealth is that you invest consistently for the long-term!

    Missing just the 10 best trading days between 2002-2022 would cut your returns by 50%. Don't play games when you know it's impossible to win. Just keep investing!

    Links from today's episode:

    • Vanguard artcile about lump sum vs. DCA
    • Military Money Manual blog post on this topic
    • How to Time the Market
    • World's Worst Market Timer (only investing at the peak)

    For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call.

    Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE!

    If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com.

    If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com.

    I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.

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