DCA or lump sum but analyze: what does research show? Map investing timing: dollar cost averaging vs. lump sum vs. outcomes. Calculate: DCA returns vs. lump sum returns vs. psychological comfort. Show me the DCA reality: lump sum usually wins but DCA is psychologically easier. Give me the truth: DCA is fine if helps you invest. Include: whether have lump sum, what research shows, if psychology matters more than optimal.