Investors often wonder if it's better to wade into the market with a percentage of their money or take the entire plunge; i.e. should they tiptoe in or take the dive? The Schwab Center of Investment Research published a paper on the benefits of waiting to invest. Mark and Tom share the results of this study, showing that investors who invested it all at once fared better in ending wealth than those who engaged in dollar-cost averaging (investing a certain amount over a specific time period, such as monthly investments for 12 months). A takeaway from this segment is: decide on an asset allocation strategy and then fund the equity portion at the first possible moment, taking risk capacity into consideration. In other words, it's better to dive.