LIVEMarkets rolling coverageStarted: June 28, 2026, 4:00 AM EDTUpdated: June 28, 2026, 1:46 PM EDT Dave Ramsey Advises Lump-Sum Investment Over Dollar-Cost Averaging Despite Market Volatility June 28, 2026, 1:44 PM EDT. Personal finance expert Dave Ramsey recommends investing a full $350,000 lump sum into the S&P 500 rather than dollar-cost averaging, citing long-term market growth benefits. He warns investors to expect volatility, especially with President Trump likely to cause unpredictable market moves, but emphasizes staying calm and committed to the process. Ramsey illustrated with a hypothetical 25% market gain, showing lump-sum investments outperform gradual investing due to longer market