Buying in $10,000 increments in high quality dividend growth stocks each month is another strategy, especially with money you already paid taxes on. When you know they are undervalued from your fundamental research, then you can buy shares and hold for life. That 3% dividend will grow more then inflation each year as long as earnings are stable (common in dividend growth big companies of 10% growth per year). 3% becomes 3.3%, 3.63%, 3.99%, 4.39% [5 years], 4.83%, 5.31%, 5.85%, 6.43%, 7.07%[10 years], 7.78%..... 123.43% [40 years]...
Each seed is planted when initially invested..
Diversification is important, and every increment of investing is like planting a new seed at 3%, but when you become financially secure in 10 years with the income of 50 companies paying a growing income in CASH each year, you will be smiling to the bank.
And this is regardless of the ups or downs of the market swings. Just based on the quality and stability of the big company.