TL;DR
Lump Sum vs Monthly Investing: lump sum advantage is £1,900 — Lump sum wins on average.
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Lump Sum vs Monthly Investing

Should you invest it all today, or drip-feed?

Lump Sum Advantage
£1,900
Lump sum wins on average
Lump Sum Final
£118,029
DCA Final
£116,129
Lump (after 20% Y1 drop)
£88,246
DCA (after 20% Y1 drop)
£102,694
Stress test
What if the world changes? Toggle a scenario.
simulator
New lump sum advantage
£1,900
Δ vs baseline
+£0
Real value 1yr out
£1,853
@ 2.5% CPI
Today£1,900
Now£1,900
Current plan. Scenario figures are illustrative — they scale your current calculation rather than re-running every band. Useful for direction, not for filing.
£
yrs
Months to spread the investment
mo
%

Two strategies, normal market

£118k
Lump Sum
£116k
DCA

Stress test — 20% drop in year 1

£88k
Lump Sum
£103k
DCA
The maths: Lump sum wins ~⅔ of the time because markets trend up. DCA wins when markets fall early. The real benefit of DCA is behavioural — it stops you from panicking.
Watch & learn
Lump Sum vs DCA: What the Data Says
YouTube · Damien Talks Money

Lump Sum vs DCA: What the Data Says

A short, plain-English walkthrough relevant to this page. We curate from trusted UK personal finance creators.

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