Dollar-cost averaging does not work on variable income. Learn the percentage-based strategy that scales with whatever you earn each month.
Dollar-cost averaging requires a fixed amount every month. Feast-and-famine cycles make this impractical.
Invest a fixed percentage of every payment received. When client payment arrives, transfer X% to investment account within 48 hours.
10% if still building emergency fund.
15% if emergency fund complete but debt remains.
20%+ if debt-free with full emergency fund.
$10,000 month = $2,000 invested. $3,000 month = $600. Both correct for that month.
30-year-old freelancer: 70-80% global equity index funds, 15-20% bonds, 5-10% cash opportunity fund.
Free to start. No bank connection needed. 150+ currencies, tax estimates for 20 countries.
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