Author Topic: Race from 10 to 100k!!  (Read 979624 times)

Tass

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Re: Race from 10 to 100k!!
« Reply #3650 on: September 30, 2021, 10:28:48 AM »
20172018201920202021
January$12.1k$24.7k$49.0k$76.2k
February$13.6k$27.2k$46.5k$79.0k
March$15.1k$29.3k$42.7k$82.6k
April$16.6k$31.3k$47.5k$87.3k
May$17.7k$31.5k$50.6k$88.2k
June$18.5k$33.3k$53.5k$90.3k
July$6.2k$20.2k$35.1k$58.5k$92.0k
August$6.8k$20.8k$36.7k$63.0k$94.4k
September   $8.2k$22.2k$38.6k$63.2k$93.1k
October$9.0k$21.7k$40.2k$62.9k
November$9.9k$22.5k$42.6k$69.9k
December$11.1k   $22.4k   $44.6k   $75.0k   

Looks like I'm hanging out in the 90s a little longer.

Tinker

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Re: Race from 10 to 100k!!
« Reply #3651 on: September 30, 2021, 01:02:00 PM »
+2.1k €
->
~ 63.6k € / 75k $

that thing about random extra spending didn't really work after i had to replace my stove top.
Also bought some bike stuff.
Oh well. Ran the numbers, still far cheaper than owning a car.

-1.5k €
->
~62.1k € / 71.9k $

now, the exchange rates really didn't have to slip as well just to rub it in, but oh well.

Markets down a bit, and i had a spendy month. Set up zwift for winter bike riding, replaced my spider-app'd phone, upgraded bike components.
feels bad I can't drop an additional 1000€ on the discount stocks now, but market timing is a nono anyway.

shrimpwd

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Re: Race from 10 to 100k!!
« Reply #3652 on: October 01, 2021, 12:17:41 AM »
                       2018                2019                2020                2021                2022               
January$6,455-$14,460$34,473-
February--$14,991$36,257-
March--$14,632$38,256-
April-$10,960$13,884$47,021-
May--$17,011$52,533-
June--$19,255$54,094-
July--$20,358$55,927-
August--$21,993$58,821-
September--$23,312$67,274-
October--$24,777$67,897-
November-$13,466$26,407--
December$9,518-$30,697--

Last month I said "Feels a bit unreal..." I feel better now, even if I did only have $623 growth in the funds. (with nearly $2k in additional funding) At least I'm buying in again at June's prices?

Dutch Comfort

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Re: Race from 10 to 100k!!
« Reply #3653 on: October 01, 2021, 03:08:21 AM »
Tracking investments, emergency fund and additional pension investments (all to be used to retire together with SO!)
(not tracking company pension investments, house value and current accounts / special project savings)

15 May 2020: EUR 17,034 (started tracking)
15 December 2020: EUR 23,325

31 January 2021: EUR 24,040
28 February 2021: EUR 25,103
31 March 2021: EUR 26,263
30 April 2021: EUR 27,109
31 May 2021: EUR 30,039
30 June 2021: EUR 30,721
31 July 2021: EUR 31,784
31 August 2021: EUR 31,331
30 September 2021: EUR 31,508
(2021 goal: EUR 35K)

Tiny.....tiny.....tiny...... but still an increase this month. Feels a bit disappointing, since I did my normal contributions and these are more than this increase. But hey, this is how markets work. Only 3 months to go for this year. Hopefully I can still make the goal!


Ze Stash

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Re: Race from 10 to 100k!!
« Reply #3654 on: October 01, 2021, 05:42:04 AM »
Net worth:
01/01/2019: -    109,47 €
01/02/2019:      269,41 € (+   378,88 €)
01/03/2019:      890,47 € (+   621,06 €)
01/04/2019:   1.767,70 € (+   877,23 €)
01/05/2019:   3.755,46 € (+1.987,76 €)
01/06/2019:   4.814,83 € (+1.059,37 €)
01/07/2019:   5.959,50 € (+1.144,67 €)
01/08/2019:   7.116,94 € (+1.157,44 €)
01/09/2019:   9.855,39 € (+2.738,45 €)
01/10/2019:   9.718,18 € (-   137,21 €)
01/11/2019: 10.726,98 € (+1.008,80 €)
01/12/2019: 11.773,70 € (+1.046,72 €)
01/01/2020: 12.979,27 € (+1.205,57 €)
01/02/2020: 14.363,54 € (+1.384,27 €)
01/03/2020: 15.039,09 € (+   675,56 €)
01/04/2020: 15.456,74 € (+   417,65 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)

01/10/2021: 55.405,64 € (-132,80 €)

Savings were roughly 850 €, the downturn happened due to stockmarket.

My basement was broken into and my two bikes were stolen. On top of that they (him/her?) also stole my biking shoes, lights, helmet and even the tire pump. My girlfriends bike, my skis and some other non-valuable stuff was left, so I guess it was just one person and he/her couldn't carry more than two bikes.

In true mustachian fashion I self insured, because I don't have many valuable possession. So sadly on that front I got unlucky and household insurance would have been the better option. Hindsight is 20/20 though. I got a pretty basic Fixie bike as a replacement to get around, but will eventually need to replace my gravel bike. This especially hurts as I got my old one on ebay for fairly cheap and prices on ebay have nearly doubled here recently. It is near impossible to buy new bikes, because all vendors are out of stock due to supply chain issues and way more people showing interest in biking due to the corona crisis. So I either swallow the pill and get an equal replacement for way more than I originally paid on ebay, get a cheaper but worse replacement on ebay, or just wait until prices come down again but don't get to ride in the meantime.

regenaeb

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Re: Race from 10 to 100k!!
« Reply #3655 on: October 01, 2021, 08:24:03 AM »
11/30/20 - SEP Balance $ 15524.45 + Roth $ 1770.76 - Student loan balance $ 6897.45 = $ 10,397.76
12/30/20 - SEP Balance $ 16106.09 + Roth $ 1813.94 - Student loan balance $ 6306.71 = $ 11,613.32
01/29/21 - SEP + Roth $ 20,139.02 - Student loan balance $ 5,316.32 = $ 14,822.70
02/28/21 - SEP + Roth $ 21,680.41 - Student loan balance $ 4,000.15 = $ 17,680.26
03/31/21 - SEP + Roth $ 22,823.38 - Student loan balance $ 2,994.55 = $ 19,828.83
04/27/21 - SEP + Roth $ 24,365.29 - Student loan balance $ 1,699.29 = $ 22,666.00
05/31/21 - SEP + Roth $ 25,063.59 - Student loan balance $ 0 = $ 25,063.59 - Student loan is paid off!!!
8/21/21 - SEP + Roth $ 27,113.71
9/30/21 - SEP + Roth $ 27,063.71

I added $1000 this month to my SEP, but due to market flux, I look like I have a loss. But I am in this for the long game, so I know this month I bought these funds on sale, just keep buying.

TyGuy

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Re: Race from 10 to 100k!!
« Reply #3656 on: October 01, 2021, 10:55:10 AM »
Student Loan Debt:

01/12/19: $43,762
05/04/20: $21,456
11/09/20: $21,456
05/04/21: $21,456
06/01/21: $21,456
07/03/21: $21,456
08/02/21: $21,456
09/02/21: $21,456
10/01/21: $21,456 (Loans have remained in forbearance)


Net Worth:

03/04/19: -$30,065
05/04/20: $10,739
06/05/20: $18,006 ($7,267)
07/05/20: $8,594 (-$9,412)
08/05/20: $9,084 ($490)
09/01/20: $13,497 ($4,413)
10/01/20: $12,283 (-$1,214)
11/01/20: $15,692 ($3,409)
12/05/20: $19,528 ($3,836)
01/01/21: $21,735 ($2,207)
02/03/21: $21,870 ($135)
03/01/21: $23,417 ($1,547)
04/02/21: $33,080 ($9,663)
05/04/21: $36,424 ($3,344)
06/01/21: $39,976 ($3,552)
07/03/21: $47,349 ($7,373)
08/02/21: $52,292 ($5,044)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)

Happy with the increase, had some unexpected expenses this past month in addition to the market downturn. Excited to be able to buy stocks at a reduced price in the coming weeks!

LittleWanderer

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Re: Race from 10 to 100k!!
« Reply #3657 on: October 01, 2021, 01:55:18 PM »
September 2020 - $44,514
October 2020 - $45,564
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423
February 2021 - $54,304
March 2021 - $58,321
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595
July 2021 - $64,082
August 2021 - $66,248

September 2021 - $64,221

Whomp-whomp.  Thanks, stock market.  Oh well - just another month!

Imma

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Re: Race from 10 to 100k!!
« Reply #3658 on: October 02, 2021, 05:13:11 AM »
April 2019: €10094.35
May 2019: €11629.87
June 2019: €12728.63
July 2019: €13021,33
August 2019: €10363,95
September 2019: €10338.28
October 2019: €11128.59
November 2019: €11227,46
December 2019: €11991,27
January 2020: €12576,72
February 2020: €11904,39
March 2020: €10425,32
April 2020: €11830,70
May 2020: €12154,67
June 2020: €14634,19
July 2020: €15345,09
August 2020: €16444,46
September 2020: €17108,60
October 2020: €16687,93
November 2020: €17762,62
December 2020: €19386,94
January 2021: €20649.69
February 2021: €22021,64
March 2021: €22763,55
April 2021: €23866,70
May 2021: €25689.77
June 2021: €25659.61
July 2021: €26434.48
August 2021: €28512.33
September 2021: €29243.37

Goals for 2021:
Savings: €10.000
Investments: €25.000

Seems I'm one of the few people still moving up instead of down! It's because I hold a relatively large amount of my NW in savings - about 25% right now. This year's goal was increasing my savings, as well as investing my regular amounts every month.  Last Christmas we decided that we needed to save up more cash in 2021 - we were still in the middle of the second wave then, we were both on short-term job contracts and our home needed some repairs. So we did. I'm glad we did even though we may have missed out on some gains. It gives us great peace of mind to know we could still cope with a major home repair or something even if we both lost our jobs somehow.

I still feel uncertain about a lot of things now. Energy has become extremely expensive. Right now we pay €73/month and we usually get a small refund at the end of the year. Our current contract runs out in February and I just looked up current pricing. The cheapest price I could find for a new contract is €125/month. We can still easily afford that, but if we have a cold winter, it will probably be even more expensive in February. We could still afford it even if the prices tripled but I'd rather not pay that. We aren't really experiencing empty shelves in my corner of the world but we are slowly filling up our pantry again just in case. We're not hoarding, just buying one extra bag of flour or vegetables at a time.

lifeandlimb

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Re: Race from 10 to 100k!!
« Reply #3659 on: October 02, 2021, 10:09:00 AM »
Dec 2019 $7,548   
Jan 2020 $7,379   
Feb 2020 $7,983   
Mar 2020 $11,952   
Apr 2020 $20,078   
May 2020 $27,255   
June 2020 $29,933   
July 2020 $28,764   
Aug 2020 $28,618   
Sept 2020 $28,864   
Oct 2020 $27,434   
Nov 2020 $39,641   
Dec 2020 $39,169   
Jan 2021 $42,748   
Feb 2021 $43,215   
Mar 2021 $45,100   
Apr 2021 $48,171   
May 2021 $49,227
June 2021 $49,484
July 2021 $49,142
Aug 2021 $54,479
Sep 2021 $54,644
Oct 2021 $49,328

Went on vacation and spent $$! Looks like the market downturn got some other people, too. At least two significant paychecks, late due to an error, are finally coming in this month.

DieHard_772

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Re: Race from 10 to 100k!!
« Reply #3660 on: October 03, 2021, 06:47:11 AM »

Went on vacation and spent $$! Looks like the market downturn got some other people, too. At least two significant paychecks, late due to an error, are finally coming in this month.

@lifeandlimb @LittleWanderer  Haha, yep September stock market blues hit me too. Appreciating the shared experience here

Way to make progress @Imma

MommyCake

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Re: Race from 10 to 100k!!
« Reply #3661 on: October 07, 2021, 09:13:42 AM »
It has been way too long since I have kept track of things on here....  Seeing it in black and white is making me realize I am holding way too much in cash.  Three years since my last post and I'm still not over 100k in investments.....

Investments only:

9/4/18     73,600
10/4/18   75,950
11/7/18   75,960
10/7/21   96,760

mgardner88

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Re: Race from 10 to 100k!!
« Reply #3662 on: October 08, 2021, 08:59:55 AM »
7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)
12/1/2020: $56,152 (+2,210)
1/8/2021: $63,512 (+7,360)
2/5/2021: $67,571 (+4,059)
3/3/2021: $70,618 (+3,047)
4/2/2021: $74,861 (+4,243)
5/5/2021: $80,447 (+5,586)
6/7/2021: $84,957 (+4,510)
7/6/2021: $90,092 (+5,135)
8/5/2021: $96,511 (+6,419)
9/3/2021: $98,221 (+1,710)
10/8/2021: $101,351 (+3,130)

Despite the stock market not performing well I have still made it over 100k! Right in line with my goal, see you all on the next thread soon!

Trifele

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Re: Race from 10 to 100k!!
« Reply #3663 on: October 10, 2021, 06:02:28 AM »
7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)
12/1/2020: $56,152 (+2,210)
1/8/2021: $63,512 (+7,360)
2/5/2021: $67,571 (+4,059)
3/3/2021: $70,618 (+3,047)
4/2/2021: $74,861 (+4,243)
5/5/2021: $80,447 (+5,586)
6/7/2021: $84,957 (+4,510)
7/6/2021: $90,092 (+5,135)
8/5/2021: $96,511 (+6,419)
9/3/2021: $98,221 (+1,710)
10/8/2021: $101,351 (+3,130)

Despite the stock market not performing well I have still made it over 100k! Right in line with my goal, see you all on the next thread soon!

Woohoo!!  Congratulations and well done @mgardner88 !

Slanhirn

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Re: Race from 10 to 100k!!
« Reply #3664 on: October 10, 2021, 08:03:33 AM »
I've been a little absent since June but still saving!

Tracking full net worth

EOY 12.2016 - (-£10,250)
EOY 12.2017 - £4,360
EOY 12.2018 - £40,620
EOY 12.2019 - £62,523
EOY 12.2020 - £82,420
01.2021 - £84,647 (+2,227)
02.2021 - £86,456 (+1,809)
03.2021 - £88,885 (+2,429)
04.2021 - £90,615 (+1,730)
05.2021 - £91,865 (+1,250)
06.2021 - £93,664 (+1,799)
07.2021 - £95,459 (+1,795)
08.2021 - £97,223 (+1,764)
09.2021 - £99,228 (+2,005)
10.2021 - £100,008 (+780) - Sneaked just over the £100K milestone!!

I started the race to £10K in Aug 2016 and I hit £10K 18 months later in Apr 2018 from a starting net worth of -£13K. It took me 3.5 years to save up to £100K! Along the way I paid off my student loan completely (last payment was August just gone!), moved across the country, bought a flat, went from single to a relationship, to engaged, through a large pay cut at the height of the pandemic last year and handling various other life problems.

Thanks to all on the forum, I've been more of a lurker in this thread but I always enjoyed reading everyone's progress :). See you all in the race to £250K!

mgardner88

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Re: Race from 10 to 100k!!
« Reply #3665 on: October 11, 2021, 08:38:40 AM »
7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)
12/1/2020: $56,152 (+2,210)
1/8/2021: $63,512 (+7,360)
2/5/2021: $67,571 (+4,059)
3/3/2021: $70,618 (+3,047)
4/2/2021: $74,861 (+4,243)
5/5/2021: $80,447 (+5,586)
6/7/2021: $84,957 (+4,510)
7/6/2021: $90,092 (+5,135)
8/5/2021: $96,511 (+6,419)
9/3/2021: $98,221 (+1,710)
10/8/2021: $101,351 (+3,130)

Despite the stock market not performing well I have still made it over 100k! Right in line with my goal, see you all on the next thread soon!

Woohoo!!  Congratulations and well done @mgardner88 !

Thank you!!!

Trifele

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Re: Race from 10 to 100k!!
« Reply #3666 on: October 11, 2021, 05:23:09 PM »
Congratulations @Slanhirn!!  On to the next thread!  You’re entering the really fun part, where it goes faster and faster. 

Manchester

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Re: Race from 10 to 100k!!
« Reply #3667 on: October 12, 2021, 05:18:02 AM »
Congrats @mgardner88 and @Slanhirn - all the best in the next thread.  Go and smash it.


Manchester

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Re: Race from 10 to 100k!!
« Reply #3668 on: October 12, 2021, 05:21:16 AM »
Net worth:
01/01/2019: -    109,47 €
01/02/2019:      269,41 € (+   378,88 €)
01/03/2019:      890,47 € (+   621,06 €)
01/04/2019:   1.767,70 € (+   877,23 €)
01/05/2019:   3.755,46 € (+1.987,76 €)
01/06/2019:   4.814,83 € (+1.059,37 €)
01/07/2019:   5.959,50 € (+1.144,67 €)
01/08/2019:   7.116,94 € (+1.157,44 €)
01/09/2019:   9.855,39 € (+2.738,45 €)
01/10/2019:   9.718,18 € (-   137,21 €)
01/11/2019: 10.726,98 € (+1.008,80 €)
01/12/2019: 11.773,70 € (+1.046,72 €)
01/01/2020: 12.979,27 € (+1.205,57 €)
01/02/2020: 14.363,54 € (+1.384,27 €)
01/03/2020: 15.039,09 € (+   675,56 €)
01/04/2020: 15.456,74 € (+   417,65 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)

01/10/2021: 55.405,64 € (-132,80 €)

Savings were roughly 850 €, the downturn happened due to stockmarket.

My basement was broken into and my two bikes were stolen. On top of that they (him/her?) also stole my biking shoes, lights, helmet and even the tire pump. My girlfriends bike, my skis and some other non-valuable stuff was left, so I guess it was just one person and he/her couldn't carry more than two bikes.

In true mustachian fashion I self insured, because I don't have many valuable possession. So sadly on that front I got unlucky and household insurance would have been the better option. Hindsight is 20/20 though. I got a pretty basic Fixie bike as a replacement to get around, but will eventually need to replace my gravel bike. This especially hurts as I got my old one on ebay for fairly cheap and prices on ebay have nearly doubled here recently. It is near impossible to buy new bikes, because all vendors are out of stock due to supply chain issues and way more people showing interest in biking due to the corona crisis. So I either swallow the pill and get an equal replacement for way more than I originally paid on ebay, get a cheaper but worse replacement on ebay, or just wait until prices come down again but don't get to ride in the meantime.

Sorry to hear that.  People are such scumbags.  Keep an eye on Facebook marketplace and eBay, sometimes people rob them and try to sell them on there. 

You said hindsight is 20/20 and you're right.  Don't beat yourself up about it.  These things happen.  Just go and buy better locks lol.

Slanhirn

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Re: Race from 10 to 100k!!
« Reply #3669 on: October 14, 2021, 05:59:58 AM »
Thanks @Trifele and @Manchester !!

IrishFI

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Re: Race from 10 to 100k!!
« Reply #3670 on: October 14, 2021, 01:39:25 PM »
Hi Everyone, recently passed 10k so wanted to check in here.

Emergency fund - 3k
Pension - 3469
ETF - 5290 (tax on gains not deducted)
Poker Roll - 140

Goal for 2021 is to reach 20k. GL everyone.

Hit my goal for 2021 ahead of schedule. Im starting to find more spendy desires popping up. Has anyone else found that after the initial honeymoon period.

Pension - 8350
Taxable - 13300
Emergency fund - 520





TerrierTown

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Re: Race from 10 to 100k!!
« Reply #3671 on: October 15, 2021, 02:54:22 AM »
01 Jun 2019 NW £44,112
01 Jul 2019 NW £46,737  (+£2,625)
02 Apr 2020 NW £61,865 (+£15,128)
15 Aug 2020 NW £73,912 (+£12,047)
15 Dec 2020 NW £80,781 (+£6,869)
17 Jan 2021 NW £83,923 (+£3,142)
17 Feb 2021 NW £86,418 (+£2,495)
17 Mar 2021 NW £89,618 (+£3,200)
16 Jun 2021 NW £94,039 (+£4,421)
16 Sep 2021 NW £97,382 (+£3,343)

15 Oct 2021 NW £99,683  (+£2,301)

Almost made it! Although feels slow...

TerrierTown

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Re: Race from 10 to 100k!!
« Reply #3672 on: October 15, 2021, 02:59:21 AM »
Hi Everyone, recently passed 10k so wanted to check in here.

Emergency fund - 3k
Pension - 3469
ETF - 5290 (tax on gains not deducted)
Poker Roll - 140

Goal for 2021 is to reach 20k. GL everyone.

Hit my goal for 2021 ahead of schedule. Im starting to find more spendy desires popping up. Has anyone else found that after the initial honeymoon period.

Pension - 8350
Taxable - 13300
Emergency fund - 520

Being honest, not really. I do struggle with buying takeaway though because I'm a greedy so and so. Stick at it, it will become a habit and do you know the goal you want to get to? Are you clear on it?

IrishFI

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  • Posts: 21
Re: Race from 10 to 100k!!
« Reply #3673 on: October 15, 2021, 06:25:47 AM »
Hi Everyone, recently passed 10k so wanted to check in here.

Emergency fund - 3k
Pension - 3469
ETF - 5290 (tax on gains not deducted)
Poker Roll - 140

Goal for 2021 is to reach 20k. GL everyone.

Hit my goal for 2021 ahead of schedule. Im starting to find more spendy desires popping up. Has anyone else found that after the initial honeymoon period.

Pension - 8350
Taxable - 13300
Emergency fund - 520

Being honest, not really. I do struggle with buying takeaway though because I'm a greedy so and so. Stick at it, it will become a habit and do you know the goal you want to get to? Are you clear on it?

We all have our kryptonite. Have you tried fakeaways? not as convenient but can be just as tasty. Mostly I spend stupid amounts of time trying to make the numbers work for a brand new electric car purchase or a solar panel investment and buying my own home. Realistically all these things are likely to be inferior to just DCA into the market and chill.