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![money_cruncher Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1635004022506627073.png) The Money Cruncher, CPA [@money_cruncher](/creator/twitter/money_cruncher) on x 139.7K followers
Created: 2025-06-24 18:34:11 UTC

"I have $20k to invest. Should I invest it all at once or cost average?"

Research shows that lump sum outperforms cost averaging XX% of the time (Finlay and Zorn paper)

BUT for a risk-averse investor with significant loss aversion, it may be better to cost average.

In any case, either is better than sitting on cash.


XXXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1937580027329048800/c:line.svg)

**Related Topics**
[investment](/topic/investment)
[$20k](/topic/$20k)
[money](/topic/money)

[Post Link](https://x.com/money_cruncher/status/1937580027329048800)