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With lump-sum investing, the available cash has already been invested, and taking advantage of sale prices becomes more difficult. Fw-300 #ya-qn-sort h2 /* Breadcrumb */ #ya-question-breadcrumb #ya-question-breadcrumb i #ya-question-breadcrumb a #bc .ya-q-full-text, .ya-q-text #ya-question-detail h1 html[lang="zh-Hant-TW"] .ya-q-full-text, html[lang="zh-Hant-TW"] .ya-q-text, html[lang="zh-Hant-HK"] .ya-q-full-text, html[lang="zh-Hant-HK"] .ya-q-text html[lang="zh-Hant-TW"] #ya-question-detail h1, html[lang="zh-Hant-HK"] #ya-question-detail h1 /* Trending Now */ /* Center Rail */ #ya-center-rail .profile-banner-default .ya-ba-title #Stencil . Bgc-lgr .tupwrap .comment-text /* Right Rail */ #Stencil . Fw-300 .qstn-title #ya-trending-questions-show-more, #ya-related-questions-show-more #ya-trending-questions-more, #ya-related-questions-more /* DMROS */ .You can still take advantage of market downturns by rebalancing your portfolio.

What this means is that you move money out of the best-performing asset classes — whether they be stocks, bonds or Treasurys — and into the underperforming asset classes.

This is why your 401(k) and 403(b) portfolios will seem to perform better than your lump-sum investment portfolio.

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