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    • I was hoping a mathematician like you would weigh in and tell us if dollar cost averaging does better when the market is volatile.

      Investing always has risks and reducing the probability of loss isn’t a guarantee of loss avoidance.

      I realize that’s a “Duh, really?” statement, but people get in trouble when they assume otherwise.

      If you’re twenty seven years old and not retiring for forty years, dollar cost averaging index funds means that you are buying shares cheaply during recessions and in forty years your return on those shares should be greater than if you had bought them during a stock market rally.

      But what if you’re now 67 and you want to cash out and it’s another recession?

      Do you “dollar cost average” your withdrawals by selling index shares each month, rather than taking an annual or lump sum withdrawal?

      I’ll leave the final word on dollar cost averaging to Jack Bogle, the “father” of index funds.