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Should I invest a lump sum or spread it out?
Compare investing now with spreading the same money across months.
Looks favorable based on your numbers
Investing now is ahead in this illustration
With a smooth return, time invested drives the difference. Real markets do not move smoothly.
All now
$12,614
Across months
$12,330
- Difference
- $284
For educational purposes only. ClearPath provides estimates and scenario comparisons based on the information and assumptions entered. Results are not financial, investment, tax, legal, or accounting advice and are not a guarantee of future results.
Your numbers
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months
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Example numbers are shown until you change them. Nothing entered here is saved.
Important assumptions & disclosures
- Smooth hypothetical monthly returns; uninvested cash earns zero. First monthly installment goes in now. This illustration does not test market timing, volatility, taxes or fees.
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