<prompt> Human: Ive been reading about dollar cost averaging versus lump sum investing recently. It seems like lump sum investing wins about 23 of the time, so Id like to go that way with my Roth. The problem is, I dont have 5,500 to invest at one time, and have been adding 105 every week since the beginning of the year, and adding it automatically to picked funds. My Roth IRA is through Vanguard. My thought is I continue to transfer 105 every week, and once I hit the max contribution for the year, I then invest in my funds. But, at the same time I worry Ill be missing out on the market gains from the year while Im waiting. Does anyone have any thoughts or advice on this strategy?  <response>: You have completely missed the point. Waiting to amass a lump sum and then investing it would be worse than what you are doing now. The article that discussed LSI vs DCA presumed you have the lump sum at hand at beginning.A cryptic tldr: If LSI now DCA, then DCA LSI later, because DCA becomes sequential mini LSI nows. 