[MarkD]

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So in conclusion, if you have a lump sum, get it in there. If you don't have a lump sum, and want to say invest 10% of your paycheck each monthnthen DCA is fine. And beware of transaction costs if you're constantly funding your account because they will eat you up if you're just adding small amounts.


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This is why I buy mutual funds and do everything through my bank. It cost me nothing to transfer money from my chequing account to trading account and cost me nothing to purchase the mutual fund (assuming no load).

And yes, I was not referring to investing the 25k over 12 months or something like that. I was talking about doing exactly what my example illustrates when I mentioned DCA'ing.