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<p>[QUOTE=&quot;Cloudsweeper99, post: 1154962, member: 3011&quot;]Well, in your first example, lump sum investing beats DCA.&nbsp; But I would argue that the lump sum investor would be more likely to bail out of a high market, and the DCA investor would stay the course.&nbsp; If you give them the option of investing or not, the DCA investor will probably do even worse because you introduce the uncertainty in the use of the technique.&nbsp; I don&#039;t like the technique, and it imposes enormous emotional problems on people not well versed in investing [because they won&#039;t understand why the are losing large amounts of money at times using a &quot;safe&quot; technique] and experienced investors [because they will realize they are being forced to buy at some unfavorable market levels, and prevented from putting larger amounts of money into the market at lows].&nbsp; You are correct that DCA results in a lower average cost than buying fixed numbers of shares, but that&#039;s about all.</p><p><br /></p><p>If you like the technique, limitations and all, then use it.&nbsp; But I think many people think it can do things for them that it isn&#039;t designed to do.[/QUOTE]</p><p><br /></p>

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