A common question on the investment journey: should I invest all at once or do it gradually in batches?

Dollar-cost averaging (DCA strategy) involves buying a fixed amount at regular intervals. Honestly, from a purely mathematical perspective, it’s less cost-effective than a lump-sum investment—after all, funds will have idle periods, and the return efficiency is reduced.

But this isn’t just about numbers. On a psychological level, DCA has a significant advantage: it can greatly reduce the regret of "missing out" and "being trapped at a high point." You don’t need to worry about timing the lowest point, nor do you have to endure the psychological shock of a market downturn after a lump-sum investment.

For salaried workers, DCA is especially friendly. Setting aside a fixed amount each month for long-term accumulation can yield equally impressive results, and the key is maintaining a stable mindset. After all, the most suitable strategy is the one you can stick to.