Holly Mckay
Holly MackayFounder and CEO
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    • Home • Advice • Common questions

    Is it better to invest a lump sum all at once or drip feed into the market?

    08 April 2026

    Question by Boring Money reader

    Is it better to invest in one go or to drip feed regularly into the market?

    Answered by Holly Mackay

    I generally think it's a good idea to drip feed in and balance out your buying price. If you have a lump sum, you can always contribute to a pension or ISA, use up your maximum allowance for that tax year, but leave it in a cash account within that tax wrapper — then set up 12 monthly regular savings instructions, for example.

    Answered by

    Holly Mackay

    Founder & CEO, Boring Money

    I’ve worked in investment markets for over 20 years. I started out at Merrill Lynch Investment Management and worked at a few big names before setting up my first business in 2008.

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    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
    InformationHistorically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change.
    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.