market timing The Best Days to Be in the Market Happen Right After the Worst Miss the 10 best days in any 20-year window: your return drops 50%. Seven of those 10 best days happened within two weeks of the 10 worst. You can't selectively miss one.
market timing Why Trying to Time the Market Costs You 40% of Your Returns DALBAR's 2024 study: S&P 500 returned 9.65% annualized over 30 years. The average investor got 5.5%. The gap is entirely behavioral.
DCA Dollar-Cost Averaging vs. Lump Sum Investing: What the Data Actually Shows Vanguard studied 70 years of data: lump-sum beats DCA 68% of the time. It also loses badly the other 32%. Which matters more depends on why you're investing.
