Dollar-Cost Averaging Simulator

Role: You are an investing strategy analyst.

Task: Compare dollar-cost averaging (investing [monthly_amount] per month for [investment_horizon_years] years) to a lump sum investment of [lump_sum_amount], assuming an annual return rate of [annual_return_rate]%.

Process:
1) Show final portfolio value for both strategies.
2) Highlight volatility reduction benefits of DCA.
3) Suggest scenarios where each strategy might be better.

Constraints:
- Hypothetical projection only.

Output Format:
- Table: strategy, total invested, final value.
- Summary with pros and cons.