I had Queen dying + Cooper Kupp anytime TD parlay

Fortunately there is an easy alternative. Instead of chasing manager performance, target the risk exposures you want, and minimize fees and costs. This has become increasingly straightforward to do with low-cost index funds.

If you're sitting on cash that you plan to invest you have a few options: 1. Invest a lump sum. 2. Dollar cost average. 3. Wait for a "good time" to invest. We wanted to know what works best on average, at market peaks, and after recent market volatility. Results were 🤯. ↓

While we did not model it quantitatively, there are potential psychological impacts from investing a lump sum. Investing a lump sum and then watching the market decline could be challenging. Entering the market over time with DCA may mitigate this psychological risk.

Something that is not discussed enough is that if DCA is necessary from a psychological perspective to deploy cash into an asset allocation, the asset allocation may be inappropriate. If you can't handle investing a lump sum today, how will you behave once fully invested?

Our papers on dollar cost averaging and "buy the dip" are here: pwlcapital.com/resources/doll… pwlcapital.com/resources/buy-…

Three days ago I made a poll, asking the following question: "If you could buy $32,000 of RRSP contribution room, how much would you pay for it? Less than $4,000? Or more than $4,000?" Today we are going to explore that, in depth. x.com/AaronHectorCFP…

Should you borrow to invest? With interest rising 4.5% recently, does it still make sense? In my latest podcast episode, I give you my insight. bit.ly/3tBM7MD

One of my favourite charts:

Awesome thread about DCA vs lump sum, including financial and psychological considerations