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Move past DCA into a more structured investment strategy.
In mainstream finance, Dollar Cost Averaging (DCA) is praised as a disciplined, emotionless strategy. But this only holds on the surface. In practice, DCA as typically practiced, investing a fixed USD amount every month, is not emotionally neutral, nor rational over time. Traditional DCA feels disciplined because it avoids timing the market. But it quietly locks the investor into a shrinking commitment. If you invest $500/month forever, and your wage doubles while inflation halves the dollar’s power, you’re actually investing less and less of your real economic capacity over time. Eventually, even the most rigid investor realizes they must raise their investment. But at that moment, emotion returns: When should I increase? How much is enough? Will this mess up my average cost basis? These are precisely the questions DCA was supposed to silence. Now they return, louder. The cleanest, most emotionless strategy is this: Buy a fixed amount of Bitcoin every month. Just 0.01 BTC or 0.005 BTC, whatever unit you choose. Every month. Regardless of price. If Bitcoin rises, you invest more USD, but that’s fine: you’re committed to the asset, not the dollar. If Bitcoin falls, you invest less USD but you’re still stacking sats. No need to reattach emotionally, adjust, or rethink your position. You’re just buying. This may sound radical, but it’s actually more honest, because it aligns your behavior with your belief in the asset’s long-term value. It’s committing to a system that scales with your conviction. Fixed-Bitcoin investing is that system. It adapts naturally to inflation, income, and price changes without you having to. You become someone who buys Bitcoin. Every month. Full stop. submitted by /u/andarmanik [link] [comments]
In mainstream finance, Dollar Cost Averaging (DCA) is praised as a disciplined, emotionless strategy. But this only holds on the surface. In practice, DCA as typically practiced, investing a fixed USD amount every month, is not emotionally neutral, nor rational over time.
Traditional DCA feels disciplined because it avoids timing the market. But it quietly locks the investor into a shrinking commitment. If you invest $500/month forever, and your wage doubles while inflation halves the dollar’s power, you’re actually investing less and less of your real economic capacity over time.
Eventually, even the most rigid investor realizes they must raise their investment. But at that moment, emotion returns:
When should I increase?
How much is enough?
Will this mess up my average cost basis?
These are precisely the questions DCA was supposed to silence. Now they return, louder.
The cleanest, most emotionless strategy is this:
Buy a fixed amount of Bitcoin every month.
Just 0.01 BTC or 0.005 BTC, whatever unit you choose. Every month. Regardless of price.
If Bitcoin rises, you invest more USD, but that’s fine: you’re committed to the asset, not the dollar.
If Bitcoin falls, you invest less USD but you’re still stacking sats.
No need to reattach emotionally, adjust, or rethink your position.
You’re just buying.
This may sound radical, but it’s actually more honest, because it aligns your behavior with your belief in the asset’s long-term value.
It’s committing to a system that scales with your conviction. Fixed-Bitcoin investing is that system. It adapts naturally to inflation, income, and price changes without you having to.
You become someone who buys Bitcoin. Every month. Full stop.
[link] [comments]
