EXPLORE / CONTRIBUTION STRATEGIES

Portfolio contribution comparisons

Keep the assets fixed and test how lump-sum and recurring contribution schedules change investor outcomes.

COMPARISONS IN THIS TOPIC

Start with the decision you want to test.

Each example keeps the portfolio rules visible so the measured difference remains interpretable.

01ONE VARIABLE

DCA vs Lump Sum

BASEOne-time initial investment

CHANGEFixed monthly contributions

How does contribution timing change the range of investor outcomes without changing the portfolio itself?

OBSERVED RESULT

The lump sum ended $100,764 higher because all capital was exposed to a rising market from the beginning. This is a capital-timing comparison—not evidence that every future lump-sum entry will outperform.

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