주식시장이 상승할 때는 Lump Sum이 유리하다. 주식시장이 하락할 때는 Dollar Cost Averaging이 유리하다 지난 10년간 상승하는 해가 하락하는 해보다 4배 많았다. 미래를 모르고 하나만 골라야한다면 Lump Sum이 유리하다. 하지만 그 차이점이 유의미한지는 개인이 판단하고 선택할 부분이다. 작년 (2022년)에 주식시장이 약 -20% 가까이 떨어지면서 새해 IRA 불입계획 방법에 대해서 확신이 안서는 분이 많은 것 같습니다. 올해는 주식시장이 높게 성장을 했지만 내년과 그 후를 바라볼 때 확신을 갖고 진행하기 어려워 하는 분이 많습니다. 작년처럼 강도 높은 하락장을 맛본 후 조심스럽게 접근하게 되는
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