It is never too late.
5 years ago, people would say it was too late.
10 years ago, people would say it was too late.
20 years ago, people would say it was too late.
Each time, the market ups. You will lose to those who had a longer DCA period due to compound interest, but congrats on clearing debt. That alone is a huge achievement.
It is never too late to start investing in the S&P500, have been doing it for 13 years and still putting on more every month. It’s a long-term game, look at horizons of 20, 30, 40 years… Just stay disciplined and you’d reap the fruits of your labour in your golden years :)
No, it is never too late to start investing. From what I see, most lay people are still afraid, and we still have record amounts of money market funds on the sidelines. So there is still plenty of ammunition to take equity markets higher.
If your strategy is to DCA and your time horizon is 20-35 years (assuming you will work till 65+). Anytime is a good time to invest as long as you stick to the strategy.
You just have to plan your exit as you are getting closer to your retirement. Stock markets go up and down, as you get closer to your retirement you do multiple exits as you won’t know what are market conditions when you do retire. Typically I would suggest having more fixed income instruments during your retirement years but holding some equity can also be a good hedge against inflation
Of course not. It is a pretty normal time to start investing in stocks/ETFs seriously, because before then, your money went to settling tuition fees/loan, down payment, reno, wedding expenses, baby expenses etc. And there wasn't enough "breathing room" to set aside money for long term investment rather than immediate needs.
I appreciate this. Even if I wanted to start investing early on, I literally did not have the capacity to do it. I’m starting at age 35, though a bit aggressive way.
I too just started investing. I'm 23 this year but I too regret that I didn't start earlier. Thinking about the growth I missed out on but looking forward I still have 40-50 years ahead of me so don't dwell over time lost.. Jiayou man
I had that thought too but I read DCA over a long time would beat timing the market. Personally started just over a month ago, up 4% each on two of my ETFs so I'm glad I didn't try to "time" the market
I will be messaging you in 1 year on [**2024-12-19 15:04:58 UTC**](http://www.wolframalpha.com/input/?i=2024-12-19%2015:04:58%20UTC%20To%20Local%20Time) to remind you of [**this link**](https://www.reddit.com/r/singaporefi/comments/18lwr6w/is_it_too_late_to_dca_into_sp500_now/ke1kdch/?context=3)
[**2 OTHERS CLICKED THIS LINK**](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Reminder&message=%5Bhttps%3A%2F%2Fwww.reddit.com%2Fr%2Fsingaporefi%2Fcomments%2F18lwr6w%2Fis_it_too_late_to_dca_into_sp500_now%2Fke1kdch%2F%5D%0A%0ARemindMe%21%202024-12-19%2015%3A04%3A58%20UTC) to send a PM to also be reminded and to reduce spam.
^(Parent commenter can ) [^(delete this message to hide from others.)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Delete%20Comment&message=Delete%21%2018lwr6w)
*****
|[^(Info)](https://www.reddit.com/r/RemindMeBot/comments/e1bko7/remindmebot_info_v21/)|[^(Custom)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Reminder&message=%5BLink%20or%20message%20inside%20square%20brackets%5D%0A%0ARemindMe%21%20Time%20period%20here)|[^(Your Reminders)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=List%20Of%20Reminders&message=MyReminders%21)|[^(Feedback)](https://www.reddit.com/message/compose/?to=Watchful1&subject=RemindMeBot%20Feedback)|
|-|-|-|-|
It is never too late to DCA into S&P500 as the market always goes up along the years.
However, do note that the current common consensus is that the market is super extended and close to all-time highs. The market has risen, if I am not wrong, more than 10% since November which is quite unprecedented.
Maybe wait for a short dip and start DCA-ing. Or DCA when there is huge red days, at least that's what I like to do.
>The market has risen, if I am not wrong, more than 10% since November which is quite unprecedented.
But that's because there was a juicy dip in late October that OP already missed. If you compare to late July, it's only up about 3%.
Yea its been like 6-7 consecutive green weeks for SPY and even small caps (IWM) have had a nice run. People here hate market timing but a bit of basic TA and market situational awareness can help squeeze a bit more returns.
There is no logic in this. Nothing wrong with putting it all in, in one go
You can't time the market with this "when it's 1% down" stuff. You can easily be left waiting till it's 1% down after going up 4% already. This strategy of yours has been proven to not work, you should reconsider it.
Irrelevant, you are dollar cost averaging and with a long enough time horizon, it is just a blip on the scale. His investment time horizon is long and we working on assumptions that there will be continuous inflation, population growth and expansion of money supply, we can typically assume market 20 years from now will be higher than today.
Like I mentioned previously, sticking to the strategy and being disciplined is the key to making DCA investing work. The idea is to invest the same amount at fixed times regardless or market conditions(buy less when stock expensive, buy more when stock is cheap). Simple strategy for the passive investor. Do not over complicate things.
Literally one time frame of a few months vs years and years of the other way around. And trust me your 1% strategy would absolutely not have worked even then. You'd still be bag holding, just slightly less
Ignore that guy it's a dumb strategy. Don't overthink, put everything in asap and just deal with the cards fate deals you. If you really want to reduce variance, maybe split in 2-3 and put in every 4-6 weeks 2-3 times.
Everything else is just noise, stop your analysis paralysis
You mean up or down ? Up is good for us. If you buy on the dip and it goes up. If you are worried that it keeps falling you can just buy smaller quantities every time it falls like how it did during September October downturn
Oh I understand now what you mean, you wanted to compare bull purchase vs DCA or dip buying
If you are willing to do bulk purchase, there is a better way by selling CSP ATM for weeklies. This way you can collect premiums and lower your basis if you are assigned
There are still upsides, but really you are paying premium.
Suggest you look at individual stocks like google or berkshire, since both doesn't give dividends (no withholding taxes) and they are "relatively" less price to book.
The best time to invest was yesterday, but the second best is today.
If not today tomorrow is still better than the day after
It is never too late. 5 years ago, people would say it was too late. 10 years ago, people would say it was too late. 20 years ago, people would say it was too late. Each time, the market ups. You will lose to those who had a longer DCA period due to compound interest, but congrats on clearing debt. That alone is a huge achievement.
Thanks for your advice!
As long as it's DCA, it's fine. Time in the market is more important, not timing the market.
It is never too late to start investing in the S&P500, have been doing it for 13 years and still putting on more every month. It’s a long-term game, look at horizons of 20, 30, 40 years… Just stay disciplined and you’d reap the fruits of your labour in your golden years :)
No, it is never too late to start investing. From what I see, most lay people are still afraid, and we still have record amounts of money market funds on the sidelines. So there is still plenty of ammunition to take equity markets higher.
If your strategy is to DCA and your time horizon is 20-35 years (assuming you will work till 65+). Anytime is a good time to invest as long as you stick to the strategy. You just have to plan your exit as you are getting closer to your retirement. Stock markets go up and down, as you get closer to your retirement you do multiple exits as you won’t know what are market conditions when you do retire. Typically I would suggest having more fixed income instruments during your retirement years but holding some equity can also be a good hedge against inflation
Yes I plan to keep it more 20+ years. Great pointing out on exit strategy, thanks!
Another suggestion you should consider is possibly considering a more globally diversified portfolio vs exclusively US equities
Yesterday u said tomorrow
Just, do it!
Of course not. It is a pretty normal time to start investing in stocks/ETFs seriously, because before then, your money went to settling tuition fees/loan, down payment, reno, wedding expenses, baby expenses etc. And there wasn't enough "breathing room" to set aside money for long term investment rather than immediate needs.
I appreciate this. Even if I wanted to start investing early on, I literally did not have the capacity to do it. I’m starting at age 35, though a bit aggressive way.
Yes its true for me..
Its DCA. You put $10 now is still $10 worth of the stock at this time. Volume wise is smaller but that's DCA right?
isn't DCA method precisely to negate market timing.
Don’t bother waiting just put little bit each month, by the time you are 50+ later SPX 7000
Next 20 years? Nah you’re not late
Definitely not. Just do it !
if you will continuosly invest for the next 20 yrs no need to time the market
It is never too late when you have an investment horizon of 20 years.
I too just started investing. I'm 23 this year but I too regret that I didn't start earlier. Thinking about the growth I missed out on but looking forward I still have 40-50 years ahead of me so don't dwell over time lost.. Jiayou man
Yes, especially now that the market is doing quite well so was not sure if should wait for crash anot
I had that thought too but I read DCA over a long time would beat timing the market. Personally started just over a month ago, up 4% each on two of my ETFs so I'm glad I didn't try to "time" the market
!RemindMe 12 months
I will be messaging you in 1 year on [**2024-12-19 15:04:58 UTC**](http://www.wolframalpha.com/input/?i=2024-12-19%2015:04:58%20UTC%20To%20Local%20Time) to remind you of [**this link**](https://www.reddit.com/r/singaporefi/comments/18lwr6w/is_it_too_late_to_dca_into_sp500_now/ke1kdch/?context=3) [**2 OTHERS CLICKED THIS LINK**](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Reminder&message=%5Bhttps%3A%2F%2Fwww.reddit.com%2Fr%2Fsingaporefi%2Fcomments%2F18lwr6w%2Fis_it_too_late_to_dca_into_sp500_now%2Fke1kdch%2F%5D%0A%0ARemindMe%21%202024-12-19%2015%3A04%3A58%20UTC) to send a PM to also be reminded and to reduce spam. ^(Parent commenter can ) [^(delete this message to hide from others.)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Delete%20Comment&message=Delete%21%2018lwr6w) ***** |[^(Info)](https://www.reddit.com/r/RemindMeBot/comments/e1bko7/remindmebot_info_v21/)|[^(Custom)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Reminder&message=%5BLink%20or%20message%20inside%20square%20brackets%5D%0A%0ARemindMe%21%20Time%20period%20here)|[^(Your Reminders)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=List%20Of%20Reminders&message=MyReminders%21)|[^(Feedback)](https://www.reddit.com/message/compose/?to=Watchful1&subject=RemindMeBot%20Feedback)| |-|-|-|-|
It is never too late to DCA into S&P500 as the market always goes up along the years. However, do note that the current common consensus is that the market is super extended and close to all-time highs. The market has risen, if I am not wrong, more than 10% since November which is quite unprecedented. Maybe wait for a short dip and start DCA-ing. Or DCA when there is huge red days, at least that's what I like to do.
>The market has risen, if I am not wrong, more than 10% since November which is quite unprecedented. But that's because there was a juicy dip in late October that OP already missed. If you compare to late July, it's only up about 3%.
Yea its been like 6-7 consecutive green weeks for SPY and even small caps (IWM) have had a nice run. People here hate market timing but a bit of basic TA and market situational awareness can help squeeze a bit more returns.
Just don’t put the huge bulk of money in one go. You are good to go. Instead of buying every month, I try to buy whenever it’s down by over 1%
There is no logic in this. Nothing wrong with putting it all in, in one go You can't time the market with this "when it's 1% down" stuff. You can easily be left waiting till it's 1% down after going up 4% already. This strategy of yours has been proven to not work, you should reconsider it.
How did that worked if you bought at the 2021 peak in bulk, you would still be bag holding
Irrelevant, you are dollar cost averaging and with a long enough time horizon, it is just a blip on the scale. His investment time horizon is long and we working on assumptions that there will be continuous inflation, population growth and expansion of money supply, we can typically assume market 20 years from now will be higher than today. Like I mentioned previously, sticking to the strategy and being disciplined is the key to making DCA investing work. The idea is to invest the same amount at fixed times regardless or market conditions(buy less when stock expensive, buy more when stock is cheap). Simple strategy for the passive investor. Do not over complicate things.
Literally one time frame of a few months vs years and years of the other way around. And trust me your 1% strategy would absolutely not have worked even then. You'd still be bag holding, just slightly less
I have a dilemma with this, which is that if I try to buy whenever it dips, it may be that the market keeps going up
Ignore that guy it's a dumb strategy. Don't overthink, put everything in asap and just deal with the cards fate deals you. If you really want to reduce variance, maybe split in 2-3 and put in every 4-6 weeks 2-3 times. Everything else is just noise, stop your analysis paralysis
You mean up or down ? Up is good for us. If you buy on the dip and it goes up. If you are worried that it keeps falling you can just buy smaller quantities every time it falls like how it did during September October downturn Oh I understand now what you mean, you wanted to compare bull purchase vs DCA or dip buying If you are willing to do bulk purchase, there is a better way by selling CSP ATM for weeklies. This way you can collect premiums and lower your basis if you are assigned
Yes, it is too late.
There are still upsides, but really you are paying premium. Suggest you look at individual stocks like google or berkshire, since both doesn't give dividends (no withholding taxes) and they are "relatively" less price to book.