Is Daily or Monthly Investing Better for Your Money?

Video Description

For the last 3.5 years, I’ve been investing $5 every single day the stock market is open. And naturally, I keep getting the same questions: 💬 “Wouldn’t it be better to invest monthly instead of daily?” 💬 “What about a lump sum investment—would that outperform both?” In today’s video, we put those strategies to the test. I ran a full simulation from January 1, 2022 to June 30, 2025, and the results may surprise you. Whether you’re a beginner or a seasoned investor, this comparison is packed with actionable insights to help you optimize your investing strategy. Here is the Google Sheets Formula: =GOOGLEFINANCE("VOO","PRICE", DATE(2022,1,1), DATE(2025,7,11), "DAILY") Just replace "VOO" with whatever stock or ETF you're interested in. Also, adjust the start & end date with whatever you like best. PS - Did you see that whole thing where I'm investing over $7 a day instead of $5? Here is why that happens: https://www.youtube.com/watch?v=ujgPEsMn8TE STUFF I RECOMMEND!* Personal Finance 🤑 Join me on the Webull App - get FREE stocks when you get started (limited time) ► https://a.webull.com/i/BobSharpe 📊 The Ultimate Transaction Register - track your budget the real way ► https://averagetoamazing.com/downloads/ultimate-transaction-register/ 💰 Seeking Alpha - get the best research tools to stay ahead in your stock and ETF research. Receive 50% off on a Premium Membership ► https://averagetoamazing.com/go/seekingalpha/ 💰 Track Your Dividends ► https://averagetoamazing.com/go/dividendtracker/ 💳 Apply for an American Express Card with this link. We can both get rewarded if you're approved ► https://averagetoamazing.com/go/amex/ Saving Money & Grabbing Deals 💰 Get Legitimate Cash Back at Gas Stations, Restaurants, and More with Upside App (app is free to use!!) ► http://sweetlifesuccess.com/go/upside 📱Get a Discount on Mint Mobile and Pay Less for your Cell Phone Bill (I Save $2,000 a year!!) ► https://averagetoamazing.com/go/mintmobile/ 📊 What We Cover in This Video: ✔️ Real results of my $5/day investment challenge (investing in VOO, the S&P 500 ETF) ✔️ Comparison of daily vs monthly vs lump sum investing over 3.5 years ✔️ Why market timing is nearly impossible—and how dollar-cost averaging protects you ✔️ Total invested, total value, and shares gained for each strategy ✔️ How market cycles affect performance (e.g., 2022 down year vs 2023-2025 rally) ✔️ Why you shouldn’t stress about doing it perfectly—just get started! But remember—this isn’t about chasing the perfect strategy. It’s about building a habit, staying consistent, and creating financial freedom over time. 📥 Whether you invest: • $5 a day • $152 a month • Or slam in a lump sum… Just start investing. Because doing something beats doing nothing—especially five years from now. 👇 Drop your questions or share what strategy YOU use in the comments! 🕒 Chapters 00:00 – Why This Video Exists (Your Comments!) 00:20 – VOO ETF Explained (S&P 500) 00:50 – $5/day vs Lump Sum Explained 02:20 – Simulation Results: Lump Sum Loses 04:44 – Why You Can’t Time the Market 05:04 – $5/day vs Monthly Investing 07:15 – Math Breakdown by Year 08:48 – 2022: Bad Year, Daily Wins 09:58 – 2023–2025: Market Rebounds 10:55 – Updated Results: Monthly Edges Out Daily 11:30 – Big Picture: It’s Not About Timing 12:18 – Let’s Build Wealth (No Matter the Method) *Disclaimer: Bob is not a financial advisor. Please contact a professional financial advisor prior to making any decisions. Some of the links and other products that appear on this video are from companies in which Bob Sharpe earns an affiliate commission or referral bonus. Bob Sharpe is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.