Jel ima neki scientific study šta je bolje?
Ovaj quote sam nasao o razlici između ta dva metoda koji onako ima smisla po seljacki :)

The real conflict is between investing a lump sum as soon as you have it, and cost averaging overt a period of time. To my mind, the choice of action depends on your attitude toward losses. If you can take them in your stride, then the lump sum option is best. After al, the longer you put your money to work, the more (on average) you will earn. But if losses, and especially bigger losses, cause you anguish, then you are better to spread your money over time. That way there won't be big individual losses I(although cumulatively there may be, it won't feel as bad), and you won't kick yourself at night.