Comments on: How the Market Crisis can Help your Retirement

By: Matt

Matt — Tue, 23 Sep 2008 14:36:48 +0000

I agree 100% with Bob. His is the point I was attempting to make.

By: Bob

Bob — Tue, 23 Sep 2008 14:26:30 +0000

If you saved up $5000 (let’s say $1000 per month) in order to invest it every January, you would have been better putting that $1000 per month in the market September through December of the previous year.

By: Matt

Matt — Mon, 22 Sep 2008 16:05:06 +0000

I remember why I was originally going to post…

This is clearly ticky-tacky, but I thought a marathon WAS a race.

By: Matt

Matt — Mon, 22 Sep 2008 15:09:00 +0000

Over 40 years, investing $5,000 every January IS dollar-cost-averaging, isn’t it?

Here’s the problem for most investors… we don’t HAVE $5k sitting around in January. In order to have it, many of us would need to set money aside throughout the year, which would defeat the point of putting it in as fast as possible. So… instead of setting it aside, we invest throughout the year.

My wife and I contribute a portion of each paycheck, so we’re making about 26 transactions each year.

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By: Todd A

Todd A — Sun, 21 Sep 2008 23:18:14 +0000

Interesting comparison to the T-Bills …

By: Writer's Coin

Writer's Coin — Sun, 21 Sep 2008 23:09:29 +0000

Kevin is totally right. I think if I could contribute to my Roth IRA for 2009 right now, I would probably drop in the whole $5,500 right away. I’m not saying I knew the market was going to do badly back in January, but I honestly didn’t have $5,000 to throw in and DCA made me feel better about it.

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[...] How the Market Crisis can Help your Retirement If you believe the downturn is an opportunity, yes, it will help your retirement in the long-term. [...]