@neilinvests: Replying to @Lf lump sum vs dollar cost average, which is best? This is not investment advice. When investing, your capital is at risk. Forecasts are not indicative of future performance. Terms and fees may apply.
Research has shown that lump sum investment outperforms dca in 66% of cases, rising to 92% for time frames over 36 months. Holding cash incurs cash drag especially in times of high inflation. Your comment about risk tolerance holds but it’s a behavioural trait, especially for emotional investors, that delays market exposure.
2025-08-27 09:53:39
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user5330052550407 :
What about stories that Labour will cap ISAs so anything over £100k (or less) will be taxed (including drawdowns)? Remembering that CGT is likely to be raised even higher…
2025-08-26 17:28:45
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user2400707046097 :
So, if you receive a lump sum a good strategy for the cautious would be to place the funds in a high interest easy access account. Then, each month transfer the required amount into an investment account.
2025-08-28 14:40:29
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Diice____ :
Hey Neil, do you have any stats on lumping in vs DCAing when the markets are at / close to all time highs? Cheers, love ur content!
2025-09-04 12:04:01
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MagicMoneyTips | Kevin White :
Set a regular affordable amouny each month and any excess savings you have in cash put in a lump sum as and when. Successful investing is about consistency…
2025-08-27 05:33:17
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Coco Jumbo :
Dollar cost average is the winner 🏆
2025-10-14 21:30:49
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celmaRosie🇦🇺 :
DCA across 3 stocks . I Invest in 1 x of the stock per month then in the other The next month and so on. It’s a nice dollar cost per average. Also save on brokerage fee. This is want I do
2025-08-30 13:52:34
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Somewhere With Craig :
What about on a weekly basis? That’s what I’m going to switch to, though I think you’re right in the S+P in a lump
2025-08-30 17:18:24
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Mw :
Dollor😭😭
2025-09-03 11:20:53
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bort :
even buying at peak would still make money over a long period. However I always have some cash ready to buy a dip.
2025-08-27 23:39:31
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Coach Keils :
“Time in the market will always beat timing the market” I agree, if you have a lump sum just put it on a mag seven that’s tied to AI. Even if we dip this year, stock like NVDA, GOOGL, MSFT, will 2-3x by 2030 not including any splits. It’s not life changing for most, but 20-30K right now could easily be worth 60-100K in 5 years.
2025-09-29 02:31:05
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The_Average_investor :
Personally I would do 50/50
2025-10-20 18:15:33
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charlielatham6816 :
😂😂😂
2025-08-26 18:07:41
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Raylan Givens :
I disagree. I waited 12 months and dropped £10k in April when everyone was panicking. Have a 25% return on that. Poor advice
2025-08-26 19:01:11
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Prezz :
Easy, DCA 80% monthly investment pot every Monday. The remaining 20% you keep as cash and invest when the market goes down on any given day by 10% or more
2025-08-26 20:56:43
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