Post by LAJ » 21May Post by dlink » 22May Post by deaddog » 22May Privacy Terms. Quick links. Seeking advice on your portfolio? By dollar cost averaging you are betting that the market will drop, saving yourself some pain. When you DCA you are basically saying the market is too high to invest all at once. In other words, you have strayed into the murky world of market timing.
DCA alters your asset allocation strategy. You are holding an outsized allocation of cash sitting on the sideline waiting to be deployed. Unlike stocks, the cash you have waiting to invest is not earning dividends. When choosing to DCA, you must also chose the time horizon.
Since the market tends to rise over time, if you chose a long horizon say, over a year you increase the risk of paying more for your shares while you are investing. If you chose a shorter period of time, you reduce the value of using DCA in the first place. Finally, once you reach the end of your DCA period and are fully invested, you run the same risk of the market plunging the day after you are done. Indeed, as your source says, DCA will lead to results that, on average, are very slightly worse than investing a lump sum.
The benefits of DCA are psychological. The investor avoids the psychic pain of placing a large sum into the market and, sometimes, seeing a significant loss soon thereafter. Edelson's book appears to be out of print and looks pricey. But someone who's interested can find full explanations and spreadsheets on the web. Dimensional Hong Kong Limited is licensed by the Securities and Futures Commission to conduct Type 1 dealing in securities regulated activities only and does not provide asset management services.
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By dollar cost averaging you are betting that the market will drop, saving yourself some pain. For any given year the odds of this happening. yolic.xyz › article › dollar-cost-averaging-dca-versus-val. The first strategy is called "Dollar-Cost Averaging" (DCA) in which an investor invests a fixed sum of money periodically. This strategy is well.