This PDF published by Vanguard in Feb 2023 offers some advice:
Cost averaging: Invest now or temporarily hold your cash?.
Summary:
Cost averaging: Invest now or temporarily hold your cash?.
Summary:
- Lump-sum investment strategies beat common cost averaging investment
strategies two-thirds of the time, according to historical and simulated
market data.- Despite the expectation of lower returns, cost averaging might be considered
for investors with very high aversion to both risk and losses who might be
tempted to hold a lump sum entirely in cash.- Even without a lump sum to invest, investors can benefit from maximizing their
time in the market by using retirement account front-loading and withdrawal
sequence strategies, or simply by not delaying when funds are available for
investment.
Statistics: Posted by Cocoa Beach Bum — Sat Mar 15, 2025 5:58 am — Replies 11 — Views 969