Episode 35: Lump Sum Investing vs. Dollar Cost Averaging: Should you invest at a Market High

The Plant. Harvest. Prosper. podcast examines the best strategy between lump sum investing versus dollar cost averaging.

In episode 35 of Plant Harvest Prosper, Josiah Martin, Financial Analyst at Financial Harvest Wealth Advisors, breaks down a common financial dilemma: should you invest a large sum all at once or spread it out over time?

Lump Sum Investing vs. Dollar Cost Averaging

In this podcast episode, Josiah breaks down each strategy in detail and illustrates them with a comparison of two investors. Here’s a brief summary of the key points.

Lump Sum Investing Wins More Often – Historical data shows investing everything upfront typically outperforms dollar cost averaging (DCA) about 70% of the time due to market growth over the long term.

Market Timing Fears Are Overblown – Whether markets are at all-time highs or in a downturn, history suggests they tend to rise in the long run.

Finding the Best Strategy for You

Time in the market beats timing the market. Choose the strategy that aligns with your risk tolerance and long-term financial goals.

For the full discussion, listen to the episode and explore expert insights at Financial Harvest Wealth Advisors.

Submit your questions for the next episode at info@financialharvest.com, and don’t forget to schedule a free second opinion with our expert advisors. 

Listen to Plant. Harvest. Prosper. anytime or anywhere you are with the audio-only version of the podcast that you’ll find on all the most popular podcast platforms, including iHeartRadio, Spotify, Apple Podcasts, Google Podcasts, Stitcher, and more.