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Conclusion

As expected, DCA strategies primarily lower the risk thanks to their time diversification properties. This, however, usually comes at the cost of lower returns.

Overall, one cannot say that there is a significant or consistent outperformance of the DCA strategies, nor of the Lump Sum strategy. The performance strongly depends on the market conditions. If an investor expects the markets to fall, it might be wise to apply DCA. Moreover, if one prefers lower risk and lower volatility, DCA might be a good choice as well.

On the other hand, if the only thing an investor cares about is maximizing return, then Lump Sum should be a better choice. At the same time, if one doesn’t have any specific assumptions about future market conditions, in the long run it may be better to invest in a Lump Sum due to statistically
higher long-term returns.

bohatysockar napísal: ↑St 28 09, 2022 7:54 pm DCA je fajn ale ja to nerobim az tak uplne automaticky ze 10teho v mesiaci stale nakupim - to sa mi zda hlupost. aj ked sa "timing market" neodporuca, stale cca sa da trafit lepsia cena lebo to ide vo vlnach.. radsej ako 10teho automaticky nakupit kazdy mesiac by som volil dokupovanie ked klesne napriklad o 3% index - da sa to lahko overit naprikad cez backtrader akoby to bolo keby bolo ked mas zaujem pohraj sa s tym