I still don't buy DCA. I invest the max amount I can each month after paying my expenses. Monthly investing is dollar cost averaging. Now if you saved up and dropped your $4000 2004 IRA contibution in the account on January 1 you would be lump sum investing. Some would even argue that putting money in annualy is DCA over the very long term of your investing life. But we'll leave that point to those who like to pick out nits.billyturtle
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