Difference between investing monthly or semi-annually?

Live on a gross 85k salary however twice a year get bonuses, and net roughly 10k and 15k.
I invest $200 monthly and 80% of my bonuses into index funds.
My question: I see all these future balance calculations on higher monthly contribution amount however if you contribute a large sum twice annually would that still have the same end result after 30 years or is it better to have high monthly contributions?

Hi Stephanie,

Thanks for your question!

Mathematically, it is “better” to invest the money monthly instead of twice a year. The reality depends on if your bonus gets invested when the market is higher or lower than your monthly contributions.

Bottom line: If you do not wish to time the market, then go ahead and invest the money as soon as you receive it.

Keep up the excellent work!

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