The Steady Investor
Region: US
Friday 25 September 2026 14:40:09 GMT
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Atrophis :
DCA is about not knowing the future more than backfilling a strategy. The last 25 years have been very good overall. We may get five years now where it’s lower every single year we have no idea. It’s just hedging that you didn’t pick a real bad time to dump it all in even if it may cost you some extra gains if all goes well
2026-09-28 17:58:01
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user1041122624298 :
The key takeaway for me from an index investing standpoint is to buy the Nasdaq, not S&P500.
2026-09-25 17:30:54
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user8404032191409 :
This is super interesting, I may adjust my 401k contributions to max out early vs getting to the max by the end of the year.
2026-09-25 17:58:12
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Mr himz :
super interesting experiment. for the s&p that's only about a 3% addition for the lump sum. I would expect more
2026-09-27 01:59:00
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Jpervine2001 :
Drink more of the tea so it doesn’t seem like a prop
2026-09-26 23:06:58
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Matt :
Shouldn’t the January investor have been 1 year behind? Since it would take them the whole first year to save up that 12k to invest in January 2022?
2026-09-25 17:50:29
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user8926956008781 :
I think you have to do this equation a little different. The monthly payments have to be from the year before the $12,000 January 1 payment. Because that $12,000 had to be saved up the prior year.
2026-09-26 18:17:47
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chughson92 :
What's the minimum amount someone can put in and it be worth their time?
2026-09-25 15:57:44
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spacedowt01 :
what about putting 1k per month in a high yield savings then waiting on a major crash to go all in then repeat
2026-09-25 22:49:13
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lovelyatx :
Run your experiment again starting. With putting all 12 k in the month indexes lost the most money
2026-09-26 17:22:36
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pandardstoodle :
love your research. I'd be interested in you breaking this down with the same amount but investing a lump sum on a quarterly basis.
2026-09-26 00:58:21
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jason :
i always lump sum my roth in january and have my 401k maxed out my June. this was another fascinating experiment !
2026-09-25 18:02:10
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Jov :
Do you think it’s dependent on timing overall (ie beginning, middle, or end of the year) or just the theme of lump sum?
2026-09-25 18:07:27
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tlump2 :
interesting and encouraging 👍🏼
2026-09-26 22:45:02
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Mickles :
Good stuff!
2026-09-25 21:32:58
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Thisisberlin :
If you started DCA on the day the lump sum put in all $12k, that explains the additional because there was more money invested overtime. If you were in the investment simulation with a bunch of different start dates that would still be a constant. I would think you would have to make the lump sum six months in so that it averages the same principal invested at each time frame, or more similar.
2026-09-25 20:02:41
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Kevinmf98 :
I think to make the test more consistent with real life, the guy who starts with the big sum should start one year late, bc in reality i'd take this long for him to have that amount of money. IF the one with the big january buy is still beating the other after that after 10 years or something like that it would really be a strategy to consider
2026-09-25 16:52:12
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zraker :
Cash loses 3.5 % every year
2026-09-26 12:01:00
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Chad Babuk :
I wonder if it would make a difference if the investment was in December during tax loss selling, or in May when some people are selling and going away, or in September when everyone starts to get back in the market.
2026-09-25 15:17:55
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J. P. :
What do they say? It’s time in the market…not timing the market.
2026-09-26 14:36:40
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Jasmijn :
how can I invest in the stocks market pls.
2026-09-27 19:49:49
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lovelyatx :
I meant, start your experiment just before the internet bubble burst, or any such down time in market, (basically buying at the top of the market) to help prove your thesis
2026-09-26 22:30:07
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Ed Saldaña :
nice analysis but i think it’s because lump sum investor got better deal buying all $12k during the crash. I’d like to see the comparison starting at high before the crash.
2026-09-26 13:33:16
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Adonna :
Can you do this again using the allowable max for an IRA in that year?
2026-09-26 10:23:16
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Adonna :
Hmm. Perhaps run it again after that crash was over? Investing before a crash would explode the end results.
2026-09-26 10:17:13
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