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  • I need to put some money into my kids isa (Vanguard tracker). Currently thinking with the run over the last year and the March/Easter/Yr end, etc. it might be better to put it all in cash and then buy monthly or bi-weekly.

    Any thoughts?

    If yes, over how many months would be a sensible number to divide it over?

  • Depends what you are trying to do. Average out the cost through a crash I assume?

    Vanguard did a study that suggested that 2/3 of the time, lump sum beat dollar-cost averaging over 12 months.

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