No. of Recommendations: 2
It may not be "unlucky" days.

If you start with, for example, $10,000 at the beginning of the year th000en you make the yearly return.

If you start with $X at the beginning of the year, and DCA until you have $10,000 at the end, different parts of your money have been in for different times, and your return will differ from the yearly return. In this case, to determine your return you need to calculate the return for each of the periods - that is, every time you put money in. That is the only accurate comparison.
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