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Thanks for clarifying the numbers. I think the debate is really between DCA and "invest your savings as you get it", not "lump summing". While there may be a few of us who never save a penny, have a million dollars dropped in our lap, all of which we invest, then never save another dime (lump summing), I'd say most people accumulate savings on a regular basis.

In this case, let's say you DCA and decide to save exactly $800/month. Your savings over three months is $800, $600, then $1000. My savings method is simple: invest your total savings each month. Not sure what a DCAer would do here. Does he lower his monthly investment to $600 because he can't save $800 in the first month? If he earns $1000, does he head to Vegas with the other $200?

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