Will considering DCA or lump sum matter if i'm using TDA to buy my stocks?

Hi Anon,

If you're looking at it strictly from a cost perspective, then no, there's no need to consider reducing your DCA frequency.

But choosing between DCA and lump-sum stems from your short-term market outlook and how you react towards market fluctuations. If market volatility bothers you, you'll probably want to stick to monthly DCA to average out your buying price. If it doesn't, then lump-sum may be better since your money will spend a longer time in the market to work for you and potentially produce higher long-term returns. So I guess it matters in the sense of how it fits in with your investment psychology.

Hope this helps!

Regards,

thefrugalstudent

You're right that with free comms, your DCA can be as frequent or infrequent as you prefer. So yes, it's up to you how often you wish to DCA.