{"version":"1.0","type":"rich","provider_name":"Acast","provider_url":"https://acast.com","height":250,"width":700,"html":"<iframe src=\"https://embed.acast.com/$/69c148bb1a160b44db9c8fcc/6a3061966cf76d774570b816?\" frameBorder=\"0\" width=\"700\" height=\"250\"></iframe>","title":"Should I invest a lump sum or equally throughout the year?","description":"<p>1028. <strong>Laura answers a listener’s question about investing a lump sum or using a dollar-cost averaging (DCA) strategy. Find out what DCA is and its pros and cons whether you have a little or a lot to invest.</strong></p><p><br></p><p><strong>Key takeaways</strong></p><ul><li>Dollar-cost averaging (DCA) is a simple strategy where you invest a consistent amount at regular intervals.</li><li>DCA benefits include reducing market risk, needing smaller amounts of cash, and making investing less emotional.</li><li>DCA can also be a wise strategy when you have a large amount to invest, such as a cash windfall.&nbsp;</li><li>The main DCA downside is potential missed growth when the market is rising over time.</li><li>Making a lump sum investment can be wise when your finances are in good shape, don’t need to be systematic, have a high risk tolerance, and want to maximize returns.</li></ul><p><br></p><p><strong>Discover more from Money Girl!</strong></p><p><a href=\"https://www.facebook.com/MoneyGirlQDT\" rel=\"noopener noreferrer\" target=\"_blank\">Facebook</a></p><p><a href=\"https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.quickanddirtytips.com/newsletters\" rel=\"noopener noreferrer\" target=\"_blank\">Newsletter</a></p><p>Transcripts available at <a href=\"https://www.quickanddirtytips.com/transcripts/money-girl/\" rel=\"noopener noreferrer\" target=\"_blank\">QuickandDirtyTips.com</a>.</p><p>Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308.</p><p><br></p><p><br></p>","author_name":"QuickAndDirtyTips.com"}