alt Hacker NewsIf you only have a fixed amount of money to put aside every month, DCA makes sense. That applies to 99% of people. Not terrible at all.
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lotsofpulp • today at 2:06 AM
That's not really choosing to "DCA", that's just not having enough money to not be able to "DCA".
Which is what's so funny about 99% of people that talk about DCA...they don't have any other option.
That's not really DCA, at least how I understand it. DCA is something like "I have $520,000 in cash right now today sitting in checking, I'm going to buy $10,000 a week of VTSAX for the next 52 weeks" which on average is a bad strategy.
What you're describing is better analyzed as a continuing series of lump sum investments. You're investing as soon as you have cash available, not unnecessarily holding onto cash.