Quote Originally Posted by smpl View Post
You're wrong. The downside in equities (and bonds, and property) is far outweighed by the upside in commodities and inflation.

"000 dollars in each, then set up automatic payments to add 200 dollars to each at the end of every month. Think there around Twenty of them so after a year"

Even in your strategy, you are effectively buying equities at all time highs in a one off payment.
Morningstar Australia recently had a feature to the effect that dollar-cost-averaging was a worse idea than one-off purchases