@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.

Neil Invests
Neil Invests
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Tuesday 26 August 2025 16:51:53 GMT
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dannyboy7785
DannyBoy7 :
this is what im wrestling with now....
2025-08-26 21:36:45
15
iamunotheonetrueuno
Iamuno :
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
8
fulhamboy1
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
14
petesterb
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
6
diice____
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
1
magicmoneytips
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
8
user4050544284429
Coco Jumbo :
Dollar cost average is the winner 🏆
2025-10-14 21:30:49
0
celmarosie
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
6
somewherewithcraig
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
5
mw3416
Mw :
Dollor😭😭
2025-09-03 11:20:53
1
q240675
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
7
coachkeils
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
1
theaverageinvestor1
The_Average_investor :
Personally I would do 50/50
2025-10-20 18:15:33
0
charlielatham6816
charlielatham6816 :
😂😂😂
2025-08-26 18:07:41
11
usdeputymarshall
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
3
prezac
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
9
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