Invest in monthly contributions or big lump sums?

[Wino]

(H)ow to invest a lump sum that I already have? Should I dump it all into my investments now or still DCA?

Feh gave you the answer. Mathematically, your best choice is to invest it all most of the time. If the market has a downturn tomorrow, then that would not have been the right course. This happens a small percentage of the time. Therefore, your own risk tolerance is the guide. No one knows what will happen tomorrow. If you want to "smooth out the bumps," even if it costs you something in your total returns, then you should DCA. If you want maximum returns - but are willing to live with it if instead you get short term losses and thereby lower overall returns - then you should invest it all right away.

This is why everyone always asks how much risk you're willing to accept. Personally, either method will work. The DCA will happen in the future as you continue to buy when the market is down ("Dangit! My portfolio shrank! But I'm buying more shares this month than I bought last month."). When the market is up, you'll not want to sell ("Hurrah! My portfolio is growing. I'm happy to buy more to get more of these gains!").

Short answer: You're probably better off investing everything now, but no one knows if that's the best course until the future has become the past.

[jIM_Ohio]

Hello everyone,

I had in mind to find a scheme to be able to throw a percentage of my monthly salary into an investing account monthly.

A few days ago, I met with a financial advisor who adviced me to save my money into a savings account and when I have a lump sum of 35,000 euro, then invest.

What makes more sense? I know it will depend on many other factors, but which is the most usual way?

Maybe his minimum is $35k euro?

The most important things to success are HABITS, not single decisions.

Be in the habit of saving (meaning small amounts regularly)
Be in the habit of spending less than you earn
Be in the habit of researching financial decisions

Most people which win the lottery go bankrupt (that is a single decision)
Most people which have to make a big financial decision quickly do something incorrect.

The focus should be on habits and not single decisions.