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<p>[QUOTE=&quot;Cloudsweeper99, post: 1108750, member: 3011&quot;]I&#039;ve only scratched the surface of the problems with dollar cost averaging.&nbsp; Perhaps the biggest hurdle is psychological.&nbsp; Someone can put in $100 per month for ten years as the market works its way higher, then have the market drop a terrifying 40%.&nbsp; Suddenly, the investor is sitting on a loss of many thousands of dollars and is being asked to continue to add money.&nbsp; Everyone thinks they can handle this, but far fewer can do it.&nbsp; All things considered, I think an intensive study of value investing is better than relying on a formula plan to protect you.&nbsp; Oddly enough DCA is speculation, not investing, because it is based on price movements to succeed and not on the value or expected return of the underlying investment</p><p><br /></p><p>Regarding timing, there are several very good methods to do this despite what you have been told.&nbsp; A few of the best are contained in this book.&nbsp; <a href="http://www.amazon.com/How-Make-Stock-Market-Automatically/dp/0451204417/ref=sr_1_1?ie=UTF8&amp;s=books&amp;qid=1298255789&amp;sr=1-1" target="_blank" class="externalLink ProxyLink" data-proxy-href="http://www.amazon.com/How-Make-Stock-Market-Automatically/dp/0451204417/ref=sr_1_1?ie=UTF8&amp;s=books&amp;qid=1298255789&amp;sr=1-1" rel="nofollow">http://www.amazon.com/How-Make-Stock-Market-Automatically/dp/0451204417/ref=sr_1_1?ie=UTF8&amp;s=books&amp;qid=1298255789&amp;sr=1-1</a>.&nbsp; It&#039;s an absolutely terrible title for a book, but it&#039;s an easy read and contains some extraordinarily valuable formula investing information that goes quite a bit beyond DCA.&nbsp; I highly recommend it to anyone who is interested.[/QUOTE]</p><p><br /></p>

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