[lettergram]

> Hard to beat dollar cost averaging the entire stock market, which is what VTI represents.

Unless you invested in 2021…

The common “wisdom” of dollar cost averaging the market only works for those (1) who never sell (2) continue to have an ever inflating dollar and QE and (3) an ever growing economy

Right now energy prices are 3x-5x a few years ago. That will dramatically reduce growth and may even shrink the economy. Arguably the real economy has been stagnant for quite some time.

Not financial advice, but at the moment I would consider holding cash or other solid assets. Waiting for the energy situation to stabilize then buy in.

You could cost average, but timing the market can produce multiples more gains if your calm / collected, informed and willing to wait.

DCA reduces risks, particularly on the whole market. They said it doesn’t remove risk and it definitely reduces potential upside.

[nly]

Funny, because all the data and research shows the opposite.

Read this:

https://ofdollarsanddata.com/even-god-couldnt-beat-dollar-co...

[Infernal]

The post you're replying to: > dollar cost averaging the market only works for those (1) who never sell

The article you link to: > The only other rule in this game is that you cannot move in and out of stocks. Once you make a purchase, you hold those stocks until the end of the time period.

[nly]

Which is exactly what most people do when funding retirement (the time period = your accumulation period)