 It is important to note that the quarterly or semiannual amount can vary greatly, even resulting in a withdrawal, as mentioned above.Opponents argue that this misses the opportunity of already being fully invested when a large market upswing occurs.This argument against value averaging and dollar cost averaging and in favor of lump sum investing ignores the suggestion of Ben Stein and Phil DeMuth that it is more important to avoid a large market downswing, which is theoretically equally possible, since market movements are essentially unpredictable.