November 15, 2018

The Saving Versus Mortgage Dilemma

After all the bills are paid, sometimes we find ourselves with a surplus of cash and are left wondering the best way to use it.  Your options for available cash essentially fall into three categories: spending it, investing it, or pay down debt.  Trying to perfect the balancing act of savings as much as possible while still trying to pay for a mortgage can be stressful and somewhat confusing.  While there is no one-size-fits-all solution for allocating cash, there are some tried and true principles that could help you make the most of your money.

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Dollar Cost Averaging

Dollar Cost Averaging (DCA) is a structured approach to buying investments.  DCA is intended to temper the volatility of your investment portfolio by breaking large holding purchases into smaller buys done over time.

Instead of buying a large holding of a single investment vehicle all at once, the entire purchase is divided into smaller transactions and spread over a period of time.

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