Most investors overthink what to invest in and completely ignore when to invest. That mistake costs real money over time.
I break down the real difference between dollar-cost averaging and lump-sum investing, why lump-sum investing usually wins on paper, and when DCA actually makes more sense in the real world.
This is especially relevant if you’re fully funding a Roth IRA in the new year or trying to decide what to do with limited cash.
I also include a comparison of investing in SPYM at the beginning of 2025 versus spreading investments throughout the year