Offer your thoughts or opinion on the input financial query or topic using your financial background.

If I'm cash-flow negative, should I dollar-cost-average the money from my bonus over the entire year?
Essentially, your question is "lump sum vs DCA" and your tags reflect that. In the long run, lump sum, say a Jan 2 deposit each year, will beat DCA by about 1/2 the average annual market return. $12,000 will see a 10% return, vs, $1,000/month over the year seeing 6%. What hurts is when the market tanks in the first half of the year and you think DCA would have helped. This is a 'feeling' issue, not a math problem.  But. By the time you have $100K invested, the difference of DCA vs lump sum with new money fades, as new deposits are small compared to the funds invested.  By then, you need to know your target allocation and deposit to keep that allocation with new money.