Lump Sum Or Dollar Cost Averaging: Which Wins?
The arithmetic favours putting the whole amount in immediately, and the arithmetic is not the only thing in the room. Both answers are defensible and only one of them is free.
Topic
compounding
What Inflation Does To $20,000 Sitting Still
A balance that never moves still gets smaller every year, and the statement will never show you that. Here is the same money measured in dollars and then in what it buys.
What A 0.75% Expense Ratio Costs Over 30 Years
The number is small, it is deducted invisibly, and over three decades it takes roughly a fifth of your balance. Here is the arithmetic, line by line, so you can check it yourself.
What You Actually Own When You Buy An Index Fund
An index fund is a rule, a list and a copy of that list. Once you see how the weighting works, the top ten holdings stop being trivia and start being the actual answer to what you own.
Where Your Money Should Go First, In Six Steps
Six steps, in sequence, with the arithmetic that puts each one where it is. The order matters more than the amounts, and I learned that the expensive way.
Catch-Up Contributions: What Starting At 50 Recovers
The extra room recovers less than most people hope and far more than nothing, and none of it depends on what you have already saved. Here is the arithmetic on fifteen years of it.
Compound, weekly
One money decision a week, with the arithmetic left in.
What the thing is, what it costs, and the sums worked out in full so you can check them. Free, no affiliate links, and you can leave in a click.
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