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Building an Investment Portfolio to Grow and Protect Your Wealth with Chris Doyle
All the Hacks with Chris Hutchins
Investing Strategy: Upfront vs Dollar-Cost Averaging
The expected value of investing all upfront is not significantly better than dollar-cost averaging in most cases. It is estimated to be marginally better, possibly around 55-70% of the time. Choosing between these strategies may involve minimizing regrets rather than maximizing value. On average, global equity markets outperform inflation by 5%, resulting in a 7% gross return. By averaging in over time, one may miss out on 3.5% of expected return, but this cost may be acceptable for comfort. Additionally, the returns from cash while waiting to invest could help shrink the difference between upfront and staggered investments.
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