Lump Sum vs. DCA in 2026: The Math says LS, but the Volatility says DCA. What’s your move?

Hey everyone,

With the market hitting high valuations (CAPE ratio around 37) and global trade tensions pushing average tariffs to nearly 12%, the "Lump Sum vs. Dollar-Cost Averaging" debate feels different in 2026.

Historically, we know Lump Sum wins ~75% of the time. But looking at the current concentration risk (top 10 stocks driving 50%+ of returns) and the potential for a mid-year slowdown, is anyone actually going all-in right now?

I’ve been researching a Hybrid Strategy:

60% Immediate Entry to capture the "time in market" advantage.

40% Spread over 6 months to hedge against a potential valuation reset.

I just wrote a deep dive on this (analyzing 2026-specific data from Vanguard and Morgan Stanley), and the psychological peace of mind with a hybrid approach seems to outweigh the 2-3% extra potential return of a pure Lump Sum right now.

What are you doing with your cash windfalls this year? Are you sticking to the math or playing it safe with DCA?