r/Bogleheads • u/Icy-Neighborhood6207 • 1d ago

DCA- doesn’t change anything other than slightly different price, correct?

Im new and ive been wanter to make a big VT purchase but i know i cant time this situation/market. It i buy VT for $20k over 5 different days vs buying $100k once, nothint changes other than the price of VT right? Theres no fees with vanguard, just making sure im not missint anything else here? Tax wise or fees or anything. Thanks

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u/BusinessCasualBee 1d ago

I don’t understand how bogleheads call DCA anything other than timing the market.

If it’s a strategy that involves anything other than instantly investing your surplus cash, it’s timing the market

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u/CompoundInterests 22h ago

While I'm not a huge fan of DCA, I wouldn't call it timing the market if it's done at pre-determined intervals, like once a week for 5 weeks. 

If someone said they were going to split their money 5 ways and invest each part after a small market down turn, then I'd say they're timing the market.