#dca

2025 IRA Funding- DCA or sell from brokerage and lump sum?

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2025 IRA Funding- DCA or sell from brokerage and lump sum? In 2025, I can fund my IRA with two methods- I can fund it gradually over the year with my earnings, or I can sell some holdings in my taxable brokerage account, realizing some long term gains, and lump sum it at the beginning of the year. While I could max it with some cash at the start of the year, this path would drop my emergency fund kind …

Reddit Personal Finance 810 2024-11-26

Received a large commission check, DCA or invest all immediately?

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Received a large commission check, DCA or invest all immediately? I recently got a promotion at work so my income doubled, and I also get commission. I got a 13k commission check and im not sure whether to DCA or invest it all immediately? IRA is maxed and im at about a 50%+ savings rate. I also have a fully funded emergency fund. What are the upsides and downsides of each? Main goal is to purchase a house in …

Reddit Personal Finance 333 2023-07-04