Opportunity cost exists either way. It’s all risk vs reward. Welcome to free markets
Discussion
Markets are psychological. They are just many transactions between buyers and sellers. Ppl fomo in and get fudded out. Doing the opposite, buying when there is blood in the streets and everyone is panicking and calling for new lows, is something everyone wants to do in theory, but it is much more difficult in practice. Regardless, it still beats dca. Run the numbers.
There is no comparison. I never understand why people here are so opposed to getting a loan and lump sum buy. Best way to pay yourself into the future