Quote:
Originally Posted by BrianTheMick2
Presuming that he will continue to put money towards retirement, he already is effectively dollar cost averaging his life roll.
This is mostly a semantic argument, but I disagree. The presumption of DCA is that you could lump sum, but you chose not to, otherwise the distinction has no meaning. If he is putting the savings in as quickly as he can (as soon as he gets paid), then he is really lump summing. If he gets paid, has money to invest, but keeps it in cash to defer for later investment then he is DCAing.
So since he doesn't have his life roll all at once, I'd say putting it in every year as soon as he can is just lump summing to the best of his ability and not really DCAing. Of course once you understand the principles, the semantics are of little consequence.