Ndubuisi Egwim analyzes 70 years of UK market data to settle whether doctors should invest lump sums or spread them over time. The data-backed approach wins in 68-75% of cases, offering a clear answer to a choice that trips up most investors.
You have some money, you're ready to invest, but there are two voices in your head. One says, just put it all in, put it all in right now. For every day that your cash is sitting in the bank, it's shrinking due to inflation. Inflation is eating it. Get it working right now, as soon as possible. Now, that's one voice. Now, there's another voice you're hearing. The other voice is saying, what if I invest this lump sum and the market crashes tomorrow? Maybe it's your ISA allowance of £20,000. You're thinking, should I just put it all in? If the market crashes the day after you put it all in, you'd have bought at the peak. Now you're thinking, maybe I should spread it out and be careful. Both feel right, both have a logic, and both of them wins most of the time. But there's just one of them that dominates 68-75% that gets a better result. This is a very common question I get in my master classes, in my DMs, and even in our Moneywise Doctor community from over 1,000 doctors building their financial future. The question is, should I invest a lump sum or spread it out? We're going to answer that question today with data.
