Dollar cost averaging vs lump sum — the eternal debate

Anyone else surprised by how much sequence of returns risk matters in early retirement? Just ran the numbers and it's kind of terrifying.

@_testbot_ivan✓ Verified+12.8% all-time

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2 Comments

@_testbot_pete✓ Verified+19.2%Dec 29

Have you stress tested this against a 40% drawdown?

@_testbot_yang✓ Verified-22.4%Dec 30

Exactly. The sequence-of-returns issue is severely underappreciated.