Can I dollar cost average when debt recycling, without splitting a new loan each ETF purchase?
I have a P&I home loan that's well paid down. Want to split my loan and invest a chunk of that into ETFs. But I want to redraw $x a month over a year or two to average variances out. Is this possible? From what I understand of loan splitting, I'd ask the bank to create a separate loan accounts from the total, and I have to specify how much in each from the get go. And to keep accounting simple (and because it'll be P&I), I immediately pay off 99% of the investment split, then redraw it direct to ETFs to make tax deductable. Without asking the bank to create a new split monthly, which I doubt they'd do, is there any way to achieve this?
Should I dollar cost average into my Roth IRA or put the lump sum in? (18 looking to open first IRA)
Hey all! I am a 18 year old (about to turn 19) and I am about to start a landscaping job for the summer. I project to make about 7k-8k this summer, and I want to start saving for my retirement. I have a bank account with some savings from previous summers, as well as a small investment portfolio in Vanguard Mutual funds (through Robinhood). My question is should I dollar cost average into the Roth IRA over the year due to the volatile market? Or should I put a lump sum in at the end of the summer and let time in the market best timing the market? Thank you all for any comments.
I am talking about long holding S&P for retirement...should i enter now or wait for the bear market to end? This will be my future retirement money (my savings)...can i go in now (assuming the bear market will go down another 20-30%) and *not* suffer a loss if i dollar-cost-average an amount each month?
How often should I dollar cost average to minimise fees vs expected returns? A made a little calculator
So a few weeks ago jaseb asked a question on here about timing ETFs (i.e. how frequently do I buy in order to minimise brokerage fees while maximising my expected return?) and subsequently posted a fantastic StackExchange link with a detailed mathematical solution and some excel formulas on how to calculate this. Link to the Reddit post: https://www.reddit.com/AusFinance/comments/93amic/timing_etf_purchases_looking_for_a_previously/ I decided it might be handy to throw a little calculator together using that SE user's maths and excel formulas as a basis. As a minor difference, the source "question" uses monthly compounding while mine uses daily. I currently have a blog which has nothing to do with Finance, so I made a hidden page on the site to host the calculator. http://www.sydneycompletion.com/p/dollar-cost-averaging-calculator.html I hope this helps somebody.
My TFSA is maxed out currently with individual stocks, mostly dividend paying "blue chips". I am opening an RRSP to start maxing that out, and I plan to invest in ETF's for long term, diversified, and "safe" growth. I plan to start with VFV (unless anyone can suggest a better S&P500 ETF?), and putting about $5,000 - 10,000 per year into the RRSP. Should I just dump the first $5,000 into VFV, or do it in tranches of $1,000 - $2,500 at a time to DCA? It's worth noting I'm with TD so there's a $10 transaction fee every time I buy or sell something.
I've been sitting on some cash and want to just start dollar cost averaging to put it in the market. Most of my money is in indexes so I'm just going to invest in IVV every paycheck. Because each share of IVV is around $200 and I only plan on buying 3 or 4 shares each time it won't be an exact dollar amount each month as the stock price fluctuates. Anyway, this is probably a dumb question, but if I were to just buy the same amount of shares each time, rather than the same dollars, am I still following the basic dollar cost averaging formula?
First of all, I hope you're all having a wonderful weekend! So this 2ww is awful and yes, I tested this morning even though I'm only 10 dpo. I used a FRER and....got a positive!!! Not a squint your eyes, hold it in a certain light, stand on one foot while spinning in circles sort of positive--nor a BAM!!!! positive--but sort of somewhere in between. Needless to say, I'm excited, very cautiously so though. Already this is as dark as the line I had at 5.5 weeks with our previous pregnancy, so that's exciting. Now...dollar store pregnant thing. When we got pregnant before, I used the FRER tests, but also picked up some dollar tree tests. I see so often on the interweb how they just work so friggin' good, oh my line showed up right away, etc. When I was pregnant before my damned dollar store line never appeared. Somehow I turned it into a marker or achievement, that I'd be really pregnant when the dollar store test said so, since FRER is so sensitive. Well, now here I am again and no, the dollar tree test isn't showing a thing. Sort of have proverbial pee stick cricket silence really. So yes, I hope this baby sticks, I'm cautiously optimistic and so hopeful, and yes, I hope I get to be dollar store pregnant sometime soon. Until then, keep your fingers crossed and I'd love any good vibes you have.
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