"Lump sum Vs DCA" for Bitcoin Accumulation

[snowpega]

Hi there! Hope Y'all doing well.

I would like to discuss this difference here with my respectable senior as well as the newbie members of the Bitcointalk Community. So, what you guys say why not we all should  put some light over this discussion by sharing our opinion and knowledge along with our experiences.

Note: This thread may helpful to other member who just start their BitcoinBTC accumulation just now. So, Share your knowledge, opinions and experience accordingly. Many Thanks!

To be very honest, if i have to choose anyone of these i would choose DCA strategy Because we can never time bitcoinBTC market. We can just make some predictions by keeping in mind,  Past behaviour & market sentiments of the BitcoinBTC along With TA and FA. i'm sharing my whole thread where i explained DCA technique with deep discussion rather than i explain the whole DCA strategy here again.....>>>A Complete Guide for Cryptocurrency Newbies "The Best Way Of DCA".

My opinion is to use DCA strategy for bitcoin accumulation because Bitcoin market sometime in dip and sometime in up behavior. we can't time the market anytime. So, while using DCA strategy we need to stay consistent and keep investing short amount of our money after interval of time "time interval can be weekly, bi-weekly or Monthly as well". In this way, we will get opportunities to buy dips and ups both being in the Bitcoin Market which at the end of the day gives us a good Average of our investment.

On the other hand, Lump-sum investment can be useful and maybe not. As i aforementioned that we can't time the market. So, what will happen using this strategy for BTCBTC accumulation? The person will buy Bitcoin at higher price or maybe at lower price with full of his investment at the same time. Sometime, he/ she fell prey to FOMO because he/she is waiting to see more dip for his accumulation of Bitcoin. In case, if it do not happen like price will not go more down he/she will miss his/her great opportunity of buying. Why i don't like Lump-sum investment because we have to invest our whole amount at the same time for accumulation of BTCBTC. 

Many Of the people fell prey to FOMO while investing in the market and their way to accumulation of bitcoin. So, To overcome it you can read this thread as well because knowledge is the power in cryptocurrency world. A Guide for Cryptocurrency Newbies for Overcoming FOMO

End: it is my part over the discussion "DCA Vs Lump-sum" So, Please must share your thoughts, opinion & Knowledge over this topic "DCA Vs Lump-sum" to make this thread useful for me and my other beloved members of the Bitcointalk community.

-snowpega-

[1715580922]

1715580922

[1715580922]

1715580922

[1715580922]

1715580922

[1715580922]

1715580922

[1715580922]

1715580922

[_act_]

DCA is good, but there are sometimes that you will leave DCA alone and invest big amount. Let us say that you have been DCAing since some months ago and the price of bitcoin within one week fall to $20000, if you have money that you can use to invest at once, you will not hesitate but invest it immediately becuase you have speculated that bitcoin price may not fall further.

DCA is good when you do not know if the price of bitcoin will not increase or decrease. Or if you do not have enough money to invest at once.

You may invest at once if you analyzed the price of bitcoin is low already.

Investors may go for either of the two, it is what the price of bitcoin is at that will determine that.

There is also a time that investing is not good, when bitcoin has increased significantly several times.

[Bitcoinpoly]

DCA is good, but there are sometimes that you will leave DCA alone and invest big amount. Let us say that you gave been DCAing since some months ago and the price of bitcoywkthon one week fall to $20000, if you have money that you can use to invest at once, you will not hesitate but invest it immediately becuase you have speculated that bitcoin price may not fall further.

DCA is good when you do not know if the price if bitcoin will not increase or decrease. Or if you do not have enough money to invest at once.

You may invest at once if you think the price of bitcoin is low.

Investors may go for either of the two, it is what the price of bitcoin is at that will determine that.

There is also a time that investing is not good, when bitcoin has increased significantly several times.

DCA is good actually but not everyone knows how to use it. As for me I like DCA but for real i don’t really know how to use it, so I use smart portfolio.

[SquirrelJulietGarden]

DCA is helpful to avoid FOMO, panic and you also have a thread about DCA.

This A Complete Guide for Cryptocurrency Newbies "The Best Way Of DCA".

You can continue that thread with your discussion about Dollar Cost Averaging and don't need to create this thread for discussion.

Even the thread about FOMO can be combined to your DCA thread but it's just fine if you keep them separated. I only disagree that you create this thread for discussion about a same thing.

[_act_]

DCA is good actually but not everyone knows how to use it. As for me I like DCA but for real i don’t really know how to use it, so I use smart portfolio.

There is nothing hard about DCA. It means dollar cost average. Not necessarily dollar as it can be in your country's local currency. All you have to do is to be using certain amount of money to be buying bitcoin every week or every month. But people use to refer to it as buying bitcoin every week. With that you will be able to buy bitcoin at varying prices.

[Apocollapse]

DCA is good actually but not everyone knows how to use it. As for me I like DCA but for real i don’t really know how to use it, so I use smart portfolio.

DCA isn't something that you need to use strategy or skill to do that, what you need is only consistent.

Consistent if you buy Bitcoin every Sunday at 7.00 AM for $500, it's already DCA.

If you buy Bitcoin in Monday for $200, but the next week you skip because Bitcoin price is rising and you think it's expensive, so you will buy it after the price slightly drop. It's not DCA anymore.

[Eternad]

DCA is good actually but not everyone knows how to use it. As for me I like DCA but for real i don’t really know how to use it, so I use smart portfolio.

DCA(Dollar Cost Averaging) which simply means buying in multiple price to average your buying price. You can simply purchase Bitcoin on specific time intervals depending on your preference. Purchasing Bitcoin on different time or price is considered as DCA. There’s nothing complicated about except you are pertaining on DCA trading which exchange offer nowadays.

In general, DCA is just consistently buying on the your set condition whether on the price or time interval that will average your buy price.

[SquirrelJulietGarden]

If you buy Bitcoin in Monday for $200, but the next week you skip because Bitcoin price is rising and you think it's expensive, so you will buy it after the price slightly drop. It's not DCA anymore.

Are you sure it is no longer DCA?

I see it is still DCA even you can not make your buying at exact time as you initially scheduled. DCA relates to your available capital that can be broken some times. When you don't have available capital like losing your job or just have some urgent need, you can stop your DCA. Fortunately, you can restart it anytime later and your whole long process is still DCA.

Micro Strategy do their DCA and do you see they buy Bitcoin every first day of each month or each quarter?

See their Balance sheet history and dates of buying times.

[Mr.right85]

If you buy Bitcoin in Monday for $200, but the next week you skip because Bitcoin price is rising and you think it's expensive, so you will buy it after the price slightly drop. It's not DCA anymore.

Are you sure it is no longer DCA?

I see it is still DCA even you can not make your buying at exact time as you initially scheduled. DCA relates to your available capital that can be broken some times. When you don't have available capital like losing your job or just have some urgent need, you can stop your DCA. Fortunately, you can restart it anytime later and your whole long process is still DCA.

While I might have to agree with you on DCA not being very timely or periodic even though it needs such attributes, it is also dependent on the reason for this break or not having to buy at an opportune time when the capital is readily available but, you choose to let it slide.

From your previous quote (the quote from Apocollapse), it’s states and I rephrase that; having to skip because Bitcoin price is rising* emphases on rising price as the reason for skipping, then it’s no longer DCA strategy. That’ll be you buying based on how cost effective it might be for you. DCA has got no vacuum to consider price, it’s you buying at any price and at any time.

[Cantsay]

All I can see from this thread is DCA, DCA.

I believe that it would be a great idea to also be nice to add what “lump sum” is all about. Because I can say that at this point 60% of people that comes to beginner and help board, as well as bitcoin discussion board should be aware of what DCA means and also know the benefits that’s attached to it But most of them don’t know what lump sum is, so it would have been nice to include it in the op.

[Don Pedro Dinero]

All I can see from this thread is DCA, DCA.

That's because virtually everyone does DCA in one of its variants. Even Michael Saylor does it.

I believe that it would be a great idea to also be nice to add what “lump sum” is all about.

It is simply that you have an amount to invest at once. Like if you have a million dollars and you buy it today in bitcoin. Doing DCA would be for example buying $100,000 over the next 10 months, that way you cushion yourself against the swings of the market. If the financial asset is good, both are valid because in the long run it will go up.

[crwth]

There are a lot of people who dwell with this theory and IIRC, it's DCA who won in the long term. I think also that that is the best way because you don't need to time the market and you just accumulate and accumulate and see if you need anything or not. More and more you can do it if you just don't convert any of the crypto that you will get and I believe that you would have the best result when you don't time it.

Basically it's
Lump Sum = Higher return in a year, more timing
DCA = Good return, less need for timing

If you are really analyzing the market, I think you would be good at a lump sum, but if you are just an average joe, it's best to buy continuously.

[mk4]

As far as I know — in most cases, lump sum is the way to go assuming you can really just hold and not sell and attempt to buy lower. The sole reason why DCA is heavily recommended is because it makes the 'investor' less susceptible to huge (temporary) drawdowns. Some investors that are down a huge chunk tend to sell their stack to hopefully "buy back lower".

[angrybirdy]

All I can see from this thread is DCA, DCA.

I believe that it would be a great idea to also be nice to add what “lump sum” is all about. Because I can say that at this point 60% of people that comes to beginner and help board, as well as bitcoin discussion board should be aware of what DCA means and also know the benefits that’s attached to it But most of them don’t know what lump sum is, so it would have been nice to include it in the op.

That's because DCA is the most common strategy for Bitcoin accumulation. By investing a fixed amount of money on a regular basis, regardless of the current state of the market. It's a good strategy that makes you disciplined in terms of investing. Unlike in lump sum investment, which is purchasing bitcoin in one go, can cause a high possibility of missing on purchasing at a lower price. Also, lump sum investment is only applicable to those people who do not have the time to check their investments regularly.

[spectre71]

It's not an all or nothing thing. Hybrid. Partial lump up front and DCA the remainder somewhere on a point to your target date. I am not afraid to secure some profit while still maintaining a DCA input.

[Faisal2202]

I cannot agree more with you. I almost read every topic of yours, and they are really refreshing for me. I also did a search on these topics when I was new to the crypto field, but your way of memorizing those topics by writing them down here is better. It will enhance your and other newbies' knowledge.

DCA is really a great strategy. I have done it; I receive some amount in my wallet every week, and that's my time interval for DCA, and so far, what I do is withdraw some amount from these weekly earnings to meet my personal expenses. And the savings I left with are already in BTC. So I can say that I am doing DCA on a weekly basis, with no fixed amount of money, as it changes according to my needs.

So far, the results of doing DCA have been very good for me, and I am really looking for the halving event because it might give me 2x or 3x. That's the least I was expecting. I hope everything will go as planned for all of us. Well, the point is, DCA is helpful, but for those who have weekly or monthly earnings and don't have a pile of money, they don't have the choice to go for lump-sum while all they can do is just DCA. And in my situation, I can only do DCA, as I don't have enough funds to do Lump-Sum.

On the other hand, Lump-sum investment can be useful and maybe not. As i aforementioned that we can't time the market. So, what will happen using this strategy for BTCBTC accumulation? The person will buy Bitcoin at higher price or maybe at lower price with full of his investment at the same time.

I won't say that they invest all of there funds, because the best practice is to keep some funds for emergency. Either you are doing DCA or lump sum.

[Sim_card]

Lump sum is done by rich investors, so that they can buy once and forget about buying regular by splitting the amount into fractions for DCA. I don't think that people that buy with lump sum cares if the price goes dipper than the amount that they bought because as long as they are investing in a long term, they will definitely make profit. It is a poor investor that if he manages to gather his money for a long period of time and buy bitcoin once with it, that when the price dips below what he bought might not be happy with his decision but as long as he is holding his bitcoin for long, he will make profit. DCA has proved to investors that it is the best stratgy in which you can use to balance the equilibrium in your accumulation, by buying at regular at various price to keep on increasing your portfolio. What I know with this two strategy is that someone who uses DCA method to accumulate his bitcoin, will have a higher chance to increase his bitcoin portfolio, than some who buys in a lump sum. Lump sum is good when you have the luck to buy at the bottom line of the dip.

[TheUltraElite]

I would go with the lump-sum, assuming you mean a big amount when the price drops. That once held for long gives you enough price to sell at a decent profit. This means that instead of buying every month in DCA you buy once every 4-6months during a bear market and you sell like that in a bull market. Use the profit to buy back at the next bear market and continue to multiply your money.

This needs patience and by that I mean a lot of it. Fortunately I can do that because I have other sources of income. So that cushioning is needed for anyone attempting this method.

[Rruchi man]

~

DCA should be in the basic strategy of every investor to accumulate more bitcoins to what they have. Lump sums for investment will not always be available, and if you choose to always wait to invest lump sums, because of how long you may have to always wait to get and invest the lump sum, sometimes someone who is a committed DCA-er and DCA-ing reasonable amount regularly would have accumulated more (Not in all cases though, as it depends on the amount of lump sum and amount used in DCA).

If you invest Lump sum as well, you will have your attention a lot focused on your investment. You will not be a relaxed investor, unless the lump sum invested is still an amount you can afford to loose like when you are already wealthy.

DCA as an investor in bitcoins, but also be flexible enough to invest Lump sums at intervals if you can. The goal is to get more bitcoins, any legal way to accumulate it is accepted.

[Gaza13]

In investing there are various strategies used by investors, the right choice will determine our future results, as we all know in investing prices are very uncertain and very fluctuating. Lumpsum Technique: This strategy is where investors invest large amounts at one time. This technique is also good for investors who are patiently waiting for the timing when we determine the best price. This technique also has advantages or benefits if we are right in determining the price to buy it. Dca technique: This strategy is where investors routinely accumulate every month. This technique also makes us disciplined in investing and also gets the best average price for investing.

[serveria.com]

Hi there! Hope Y'all doing well.

I would like to discuss this difference here with my respectable senior as well as the newbie members of the Bitcointalk Community. So, what you guys say why not we all should  put some light over this discussion by sharing our opinion and knowledge along with our experiences.

Note: This thread may helpful to other member who just start their BitcoinBTC accumulation just now. So, Share your knowledge, opinions and experience accordingly. Many Thanks!

To be very honest, if i have to choose anyone of these i would choose DCA strategy Because we can never time bitcoinBTC market. We can just make some predictions by keeping in mind,  Past behaviour & market sentiments of the BitcoinBTC along With TA and FA. i'm sharing my whole thread where i explained DCA technique with deep discussion rather than i explain the whole DCA strategy here again.....>>>A Complete Guide for Cryptocurrency Newbies "The Best Way Of DCA".

My opinion is to use DCA strategy for bitcoin accumulation because Bitcoin market sometime in dip and sometime in up behavior. we can't time the market anytime. So, while using DCA strategy we need to stay consistent and keep investing short amount of our money after interval of time "time interval can be weekly, bi-weekly or Monthly as well". In this way, we will get opportunities to buy dips and ups both being in the Bitcoin Market which at the end of the day gives us a good Average of our investment.

On the other hand, Lump-sum investment can be useful and maybe not. As i aforementioned that we can't time the market. So, what will happen using this strategy for BTCBTC accumulation? The person will buy Bitcoin at higher price or maybe at lower price with full of his investment at the same time. Sometime, he/ she fell prey to FOMO because he/she is waiting to see more dip for his accumulation of Bitcoin. In case, if it do not happen like price will not go more down he/she will miss his/her great opportunity of buying. Why i don't like Lump-sum investment because we have to invest our whole amount at the same time for accumulation of BTCBTC. 

Many Of the people fell prey to FOMO while investing in the market and their way to accumulation of bitcoin. So, To overcome it you can read this thread as well because knowledge is the power in cryptocurrency world. A Guide for Cryptocurrency Newbies for Overcoming FOMO

End: it is my part over the discussion "DCA Vs Lump-sum" So, Please must share your thoughts, opinion & Knowledge over this topic "DCA Vs Lump-sum" to make this thread useful for me and my other beloved members of the Bitcointalk community.

-snowpega-

The main thing and a key to success is to invest in Bitcoin. It doesn't matter how, both "lump sum" and DCA ways are good. You can lose or gain something insignificantly but it won't change the ultimate outcome considerably. Just buy any way you like and hodl and you'll be good.

[philipma1957]

DCA is good, but there are sometimes that you will leave DCA alone and invest big amount. Let us say that you have been DCAing since some months ago and the price of bitcoin within one week fall to $20000, if you have money that you can use to invest at once, you will not hesitate but invest it immediately becuase you have speculated that bitcoin price may not fall further.

DCA is good when you do not know if the price of bitcoin will not increase or decrease. Or if you do not have enough money to invest at once.

You may invest at once if you analyzed the price of bitcoin is low already.

Investors may go for either of the two, it is what the price of bitcoin is at that will determine that.

There is also a time that investing is not good, when bitcoin has increased significantly several times.

If you are doing a 100$ a week DCA that is 5200 in a year. and 10,400 over 2 years.

You should have a 2 shot lump sum set up.  say 2600 two times  or a possible 5200.

If you get a 15% drop or a 20% drop do the 1 shot.  Hold the other back

[_BlackStar]

Lump sum and DCA are just two terms for investment strategies - but they are also mutually beneficial if you are a long-term investment holder. Someone who can save $200 at the end of the month can invest with lump sum 1x/ month - especially during a dip. They can do it consistently with the same amount every month - meaning they also do DCA 12x a year with $200 every month instead of buying $600 every 4 months.

I actually don't have a problem with the two strategies above as long as they are long-term investments - that's because the end goal is to generate profits. It takes good analysis to determine whether you need to buy a lump sum or do a DCA to get a lower average price - but I can combine both and adjust to market conditions.

[Die_empty]

End: it is my part over the discussion "DCA Vs Lump-sum" So, Please must share your thoughts, opinion & Knowledge over this topic "DCA Vs Lump-sum" to make this thread useful for me and my other beloved members of the Bitcointalk community.

-snowpega-

I know many people will choose Dollar-cost averaging because it has some advantage over the Lump sum style. DCA helps to spread your investment risk and it also makes people invest conveniently without much pressure. It could also help to reduce bad timings of purchases. I see this DCA as little drops of water that can fill a bucket with time. But you cannot avoid lump sum strategy especially when the bitcoin price is low. I have been adopting DCA  for some time now but whenever bitcoin price is down and I have the money to buy, lump sum strategy will be my best option.

Generally, DCA is the best option for newcomers who have little or no knowledge about the movement or operations of the market. However experienced bitcoiners can benefit from the market using the lump sum strategy. So there is a need to be flexible in your investment plan and not stick to one strategy, but always do your research before taking any decision.

[pixie85]

DCA is good when you do not know if the price of bitcoin will not increase or decrease. Or if you do not have enough money to invest at once.

The way I see it, the most important is how much money you have and how much income.

A person with no savings isn't affected by inflation much
Someone with a steady income can allocate a part of it into bitcoin, choosing to DCA
Someone who has a lot of saving and a steady income should really think about whether DCA is better than moving some of that fiat money out of the bank and into self custody.
A person with no income but a lot of savings doesn't have to DCA at all. For such people lump sum is the best.

[ZAINmalik75]

I would go with the lump-sum, assuming you mean a big amount when the price drops. That once held for long gives you enough price to sell at a decent profit. This means that instead of buying every month in DCA you buy once every 4-6months during a bear market and you sell like that in a bull market. Use the profit to buy back at the next bear market and continue to multiply your money.

You are totally right about lump-sum, and I will also go for lump-sum, but if I had enough funds to do it, like if back in 2014 or 2016 I had $100k and I wanted to invest in BTC, then of course I would lump-sum, but there is another factor to it that my mindset about BTC might not be the same as it is now. So, the doubt in the mind about investing in some asset will remain there forever.

And it will also impact the choice of lump-sum or DCA. Let's say if I ask my little brother or any friend who doesn't know about BTC, if he wants to invest in BTC, what he will choose, lump-sum or DCA, he will decide on the basis of the money he has, then he will look at how much profit he can make with each strategy and in how many years. These are all the factors that make a person choose DCA and Lump-sum.

This needs patience and by that I mean a lot of it. Fortunately I can do that because I have other sources of income. So that cushioning is needed for anyone attempting this method.

Exactly, both methods work for different kinds of people; DCA is for the long term, and lump sumers can make a profit instantly.

[The Cryptovator]

The investment strategy would be different for each individual. Because everyone's knowledge about crypto isn't the same, we have to make decisions based on experience and available funds. If we don't have enough funds, the DCA strategy would be hard. DCA is preferable to investing than all at once, in my opinion. So in the event of an unexpected dump, we can accumulate more BTC. If we invest all together, then we can't take advantage of an unexpected dump.

[coolcoinz]

I'd choose lump sum because I've seen analysis of both of these options and lump sum investors usually do better, especially if you don't have any bitcoin yet.
I'd say that when you're starting with bitcoin and have completely none of it, you should get some.
If you're afraid of not buying at the top, the rule of thumb is to look at the average price. If we're below or at the 200WMA line, it's a safe price to buy. You can also buy above it, but if you buy below the 200, you're not going to feel a lot of pressure while holding, as bitcoin tends to hold near it most of the time.

Anyway, lump sum is usually better, especially when bitcoin gains value, and since bitcoin is mostly up in the long run, you're putting yourself at a disadvantage trying to DCA into an appreciating asset.

[adultcrypto]

DCA is good actually but not everyone knows how to use it. As for me I like DCA but for real i don’t really know how to use it, so I use smart portfolio.

There is nothing hard about DCA. It means dollar cost average. Not necessarily dollar as it can be in your country's local currency. All you have to do is to be using certain amount of money to be buying bitcoin every week or every month. But people use to refer to it as buying bitcoin every week. With that you will be able to buy bitcoin at varying prices.

Developing the discipline to follow the DCA as it is supposed to be can pose a very challenging task. Even calculating what percentage of your income to put into the DCA that will not affect your personal needs so much, can also be another obstacle. So even when the DCA method seems so easy, it requires some technicalities that may require serious mental input. In other words, the DCA method is very easy to understand in theory but may require some level of discipline to execute.

[BitcoinPanther]

It is known that DCA is a friendlier approach for investors that does not have huge amount of money to buy at once  or lump-sum.  With DCA an investor can put in an amount over a long period of time, may it be in fix interval with the same amount or a random dip interval with variable amount.  I would also prefer DCA over lump-sum since the only advantage of a lump-sum is buying at a market when it is at the bottom which we can rarely time correctly.

[terrific]

DCA is the best strategy but if you can do both, why not right? When doing lumpsum, it means that you're able to do that and much better to put that way when you've got money ready so that it won't be spent to something else.
That's what always happens when you're about to invest and something comes asking for that money and you're missing it again because you are doubtful and haven't decided yet. It is why if you can do both for sometime, do it but at most times is to DCA.

[DeathAngel]

It doesn’t really matter as long as you are in. People can make arguments for either method but as long as you are buying bitcoin & willing to hold long term that’s all that matters. Bitcoin is the greatest innovation, best performing asset this century. You simply have to own some, do whatever it takes.

[panganib999]

For me, setting up a lump sum investment in the crypto industry is reserved only for those who have the discipline to save money that would be allocated for crypto, and besides that it's going to take a long-ass time before you can even hope of ever investing in crypto if you're going for the lump sum route. On the other hand DCA is for everyone, due to the fact that it goes for consistency rather than the amount of money that you're willing to put to stake, you're guaranteed to always have a position in place for crypto regardless of what happens.

That's why I always advocate for DCA no matter what type of investor you are. Having the confidence that you always have bitcoin investments ready for taking gives you indispensable peace of mind.

[mk4]

Developing the discipline to follow the DCA as it is supposed to be can pose a very challenging task. Even calculating what percentage of your income to put into the DCA that will not affect your personal needs so much, can also be another obstacle. So even when the DCA method seems so easy, it requires some technicalities that may require serious mental input. In other words, the DCA method is very easy to understand in theory but may require some level of discipline to execute.

To be fair, investing in itself requires some level of discipline to be able to come out a 'winner'. It's just the fact that dollar-cost averaging is far easier to take in for your average person compared to lump sum investing — which can be far more mentally taxing when deployed in a less-preferred moment.

[gunhell16]

DCA is good, but there are sometimes that you will leave DCA alone and invest big amount. Let us say that you have been DCAing since some months ago and the price of bitcoin within one week fall to $20000, if you have money that you can use to invest at once, you will not hesitate but invest it immediately becuase you have speculated that bitcoin price may not fall further.

DCA is good when you do not know if the price of bitcoin will not increase or decrease. Or if you do not have enough money to invest at once.

You may invest at once if you analyzed the price of bitcoin is low already.

Investors may go for either of the two, it is what the price of bitcoin is at that will determine that.

There is also a time that investing is not good, when bitcoin has increased significantly several times.

If you are doing a 100$ a week DCA that is 5200 in a year. and 10,400 over 2 years.

You should have a 2 shot lump sum set up.  say 2600 two times  or a possible 5200.

If you get a 15% drop or a 20% drop do the 1 shot.  Hold the other back

In conclusion, DCA is still a great way for us to make money in the future. As you demonstrated in your example, it's not awful after two or more years; you'll undoubtedly make a profit in the future. So, as I see it, the halving is coming, and many individuals will profit from it starting next year until the bull run ends in 2025.

Many individuals are aware of the impending halving and bull run, based on what I observed today. If I had two halvings passed, I would not have saved anything, but this time with DCA, I can see and believe that I will make a profit. Our other Bitcoin and crypto groups are also present.

[Ale88]

DCA is good, but there are sometimes that you will leave DCA alone and invest big amount. Let us say that you have been DCAing since some months ago and the price of bitcoin within one week fall to $20000, if you have money that you can use to invest at once, you will not hesitate but invest it immediately becuase you have speculated that bitcoin price may not fall further.

DCA is good when you do not know if the price of bitcoin will not increase or decrease. Or if you do not have enough money to invest at once.

You may invest at once if you analyzed the price of bitcoin is low already.

I would say that that is the main reason for doing DCA: not too many people can afford to put down a big amount of money all together, otherwise the other case would be to delay the purchase, keep accumulating money and in the meantime hoping that the price won't go up. Right now is a good price for a lump sum, maybe if goes down a few thousands dollars but it's still good, anyway purchase below $30k for me is good actually.

[dansus021]

I think there is a ton of thread like this but if you want an "Accumulation" you better use DCA rather than Lump Sump. I have been tested a new strategy on my stock portfolio but It is can be used in any market when the price goes down from my entry price I will AVG Down until the market turns green.

When you already made a profit from your entry zone then you can avg Up I'm usually wait for 5~10% from entry zone before avg up.

Lump sum strategy is great when the market is confirmed in bull season and very bad at the current market/bear season

[Dave1]

Lump sum and DCA are just two terms for investment strategies - but they are also mutually beneficial if you are a long-term investment holder. Someone who can save $200 at the end of the month can invest with lump sum 1x/ month - especially during a dip. They can do it consistently with the same amount every month - meaning they also do DCA 12x a year with $200 every month instead of buying $600 every 4 months.

I actually don't have a problem with the two strategies above as long as they are long-term investments - that's because the end goal is to generate profits. It takes good analysis to determine whether you need to buy a lump sum or do a DCA to get a lower average price - but I can combine both and adjust to market conditions.

Yes, it's just how this two strategies fit individually. There are investors who doesn't have that lump sum in their pocket to buy big amount of bitcoin. And so even if they want to buy in just one get go and put it in their wallet for a long time, it will not be work for them. But for whales they can do that as they have deep pockets.

And so majority of us could have been buying bitcoin in a weekly basis or worst just once a month depending on our budget. And so it is still very effective strategy. It might take though mental toughness to buy in the long run, but it's worth it.

[Darker45]

On the other hand, Lump-sum investment can be useful and maybe not. As i aforementioned that we can't time the market. So, what will happen using this strategy for BTCBTC accumulation? The person will buy Bitcoin at higher price or maybe at lower price with full of his investment at the same time. Sometime, he/ she fell prey to FOMO because he/she is waiting to see more dip for his accumulation of Bitcoin. In case, if it do not happen like price will not go more down he/she will miss his/her great opportunity of buying. Why i don't like Lump-sum investment because we have to invest our whole amount at the same time for accumulation of BTCBTC.  

Let's not underestimate lump-sum buying too much. Let's not go down the road connoting that DCA is wise, right, recommended, and so on and lump-sum is wrong and all the opposites. Yes, we cannot have perfect timing, but resources are available. You can study and analyze Bitcoin's movements and tendencies perusing all kinds of Bitcoin charts and tools. From there, you can set a price or a price range for your lump-sum purchases.

Take note that lump-sum doesn't necessarily mean one-time purchase. You can buy right now with most of your money and set aside the remainder in case Bitcoin drops back to $20,000 or below. Or you can divide your money into 3 parts and use 1 part to buy today, keep the other 2 in case Bitcoin drops, but if the price rises instead, use 1 part to buy at $30,000. The other one is reserved for the worst case scenario. This isn't strictly the DCA that everybody is talking about, but I think this is also a good approach.

[Blitzboy]

First, I like your in-depth research and DCA vs. Lump-sum strategy comparison. This isnt just an investment strategy; its a reflection of human behavior and risk. You've highlighted the BitcoinBTC market's unpredictability, which shows its nature and our relationship with uncertainty. Do you think its more about us than the market?

Whatever you think of FOMO, its widespread. However, knowledge is the elephant in the room. Knowledge empowers some but causes FOMO for others. Why? Because knowledge reveals what one may be lacking. Understanding cryptocurrencies requires self-awareness as well as market knowledge. Strategy and psychology dance constantly. In this dance, every movement and decision reveals more about the dancer than the dance.

[Husires]

There is no single strategy that is most profitable at all or at all times. There are profitable strategies such as DCA and strategies that are more profitable in the short term or at specific times.

Buying now for $30,000 instead of buying $1,000 for 30 months is the best, and therefore Lump Sum is the best FOR NOW because you are buying at the bottom instead of distributing the buying times. It will differ after 30 months, as DCA will be the best given that we are in a downward curve and buying with Lump Sum. It means a real loss because you are buying at the top.

A good trader is one who knows how to diversify between these strategies according to the market situation.

[DabsPoorVersion]

On the other hand, Lump-sum investment can be useful and maybe not. As i aforementioned that we can't time the market. So, what will happen using this strategy for BTCBTC accumulation? The person will buy Bitcoin at higher price or maybe at lower price with full of his investment at the same time. Sometime, he/ she fell prey to FOMO because he/she is waiting to see more dip for his accumulation of Bitcoin. In case, if it do not happen like price will not go more down he/she will miss his/her great opportunity of buying. Why i don't like Lump-sum investment because we have to invest our whole amount at the same time for accumulation of BTCBTC.  

Let's not underestimate lump-sum buying too much. Let's not go down the road connoting that DCA is wise, right, recommended, and so on and lump-sum is wrong and all the opposites. Yes, we cannot have perfect timing, but resources are available. You can study and analyze Bitcoin's movements and tendencies perusing all kinds of Bitcoin charts and tools. From there, you can set a price or a price range for your lump-sum purchases.

Take note that lump-sum doesn't necessarily mean one-time purchase. You can buy right now with most of your money and set aside the remainder in case Bitcoin drops back to $20,000 or below. Or you can divide your money into 3 parts and use 1 part to buy today, keep the other 2 in case Bitcoin drops, but if the price rises instead, use 1 part to buy at $30,000. The other one is reserved for the worst case scenario. This isn't strictly the DCA that everybody is talking about, but I think this is also a good approach.

It is still a DCA.
"You can buy right now with most of your money and set aside the remainder" - means that you just made an initial investment, and you still reserved some money for your next investment in case the price of Bitcoin drops. The fact that an investment was made/planned to be done in a different timeframe, you can't treat it as a lump sum anymore.

We really can't deny that the wisest strategy to accumulate Bitcoin is DCA. By regularly investing, gives the advantage of reducing the effect of volatility during our accumulation of Bitcoin. Also, if ever the price of Bitcoin suddenly drops, you won't be thinking of whether you will buy or not, because you already planned on regularly purchasing Bitcoin.

[lovesmayfamilis]

We often see questions about the best time to buy Bitcoin. People are afraid to make a mistake and buy expensive. Therefore, DCA will be the best choice for those who are cautious but still want to invest in Bitcoin. However, some people received a large amount of money and invested it entirely in Bitcoin. Both this and these are normal; it all depends on how much a person determines for himself the funds he is willing not to spend for some time. I would say that the DCA method is more simplified for the average person with a certain income from which he can save a certain amount. A lump-sum contribution is more suitable for businessmen with their businesses, from which they receive a good income.

[passwordnow]

Even if I had the capability to do a lump sum, I wouldn't do it. I'll still go through the slow process of DCA so that I can see every potential time to enter. DCA is an investor-friendly strategy, no matter how risky your approach to the market or how conservative you are, this is the best way to go. And it's proven and testified by most of the folks here that DCA is the best strategy whether you're a big investor or a small one or just someone who's speculating and starting out. But if DCA doesn't work for you and you're a different type of investor and you see other strategies work for you best, you don't have to do what everyone is doing. Because who knows if you'll be successful there and I think that no matter what it is, we're all going to meet at the end of it and we all have one approach whether lump sum or DCA or any other type and that is we all gonna hold.

[Vaculin]

DCA is good, but there are sometimes that you will leave DCA alone and invest big amount. Let us say that you have been DCAing since some months ago and the price of bitcoin within one week fall to $20000, if you have money that you can use to invest at once, you will not hesitate but invest it immediately becuase you have speculated that bitcoin price may not fall further.

DCA is good when you do not know if the price of bitcoin will not increase or decrease. Or if you do not have enough money to invest at once.

You may invest at once if you analyzed the price of bitcoin is low already.

Investors may go for either of the two, it is what the price of bitcoin is at that will determine that.

There is also a time that investing is not good, when bitcoin has increased significantly several times.

Lump sum investment could be very risky not only for regular investors but most especially for newbies who are less knowledgeable on their investment but are very eager to invest. Of course, that's a whole amount that are hard-earned so obviously, you can't afford to lose it all. But for wealthy bachelors, who cares. Most especially if its the only way to gain big time profits. But we all know that most of the investors here only start from scratch that's why they think using DCA is more advisable. And as long they never missed opportunities to invest through DCAing, in the end they will still gain massive profits when the bullish market happens.

However, it's individual's decision whether to invest through lump sum or DCA. As long as future losses won't affect his finances, then for me whatever choice of decision is valid.

[adultcrypto]

I would go with the lump-sum, assuming you mean a big amount when the price drops. That once held for long gives you enough price to sell at a decent profit. This means that instead of buying every month in DCA you buy once every 4-6months during a bear market and you sell like that in a bull market. Use the profit to buy back at the next bear market and continue to multiply your money.

This needs patience and by that I mean a lot of it. Fortunately I can do that because I have other sources of income. So that cushioning is needed for anyone attempting this method.

I will also do the same thing if I notice a considerable drop in price and also have the money to buy. I don't really see any need stressing myself with calculations and turning up weekly or monthly to buy Bitcoin when I can just put in the lump sum and focus on other things.

DCA method should be for those who do not have huge amount of money to buy at once but have regular income like salary; part of this regular income can be converted into Bitcoin through the DCA method.

[jaberwock]

Lump sum and DCA are just two terms for investment strategies - but they are also mutually beneficial if you are a long-term investment holder. Someone who can save $200 at the end of the month can invest with lump sum 1x/ month - especially during a dip. They can do it consistently with the same amount every month - meaning they also do DCA 12x a year with $200 every month instead of buying $600 every 4 months.

I actually don't have a problem with the two strategies above as long as they are long-term investments - that's because the end goal is to generate profits. It takes good analysis to determine whether you need to buy a lump sum or do a DCA to get a lower average price - but I can combine both and adjust to market conditions.

Yeah, but it wasn't lump sum is mostly the term that is being used but it was all-in or sometimes yolo. I can only mostly hear the word lump sum in money talks and, loan talks but I think both are still part of the economic discussion.

If we are into long term investing, I think the one that can give us a benefit the most is by doing Dollar-Cost-Averaging because we can sometimes buy at a lowest price using it but if we will only buy one time we can miss those good buying moments. Maybe a good analysis is needed to decide if which one should we go for but that isn't about the market, but about our financial condition or capabilities.

[Salahmu]

Both Lump sum and DCA are very good strategies but it all depends on the investors capital, although among the two DCA strategy for accumulation is mostly use by the beginners who doesn't have much capital to use for accumulating Bitcoin so DCA strategy allows or enables them to keep accumulate using the little money they can afford by slowly and consistently accumulating.

 And one of the things about DCA is that it doesn't matter how far Bitcoin price has gone you will always accumulate since the strategy is slowly accumulating with only what you can afford with risk management.

Perhaps Lum sum is the opposite of DCA strategy because lump sum is when you have enough funds on your portfolio Instead of going through the stress of buying a bit by bit of Bitcoin you could as well buy everything at once when the price is favourable, but although I prefer using the two sometimes, reason been that while you wait for Bitcoin price to dip down so that it can enable us lump sum and if the Price move otherwise perhaps at that time we can re strategize to DCA by accumulating some Bitcoin while waiting the price to dip the way we expect it.

[Darker45]

~snip~

Let's not underestimate lump-sum buying too much. Let's not go down the road connoting that DCA is wise, right, recommended, and so on and lump-sum is wrong and all the opposites. Yes, we cannot have perfect timing, but resources are available. You can study and analyze Bitcoin's movements and tendencies perusing all kinds of Bitcoin charts and tools. From there, you can set a price or a price range for your lump-sum purchases.

Take note that lump-sum doesn't necessarily mean one-time purchase. You can buy right now with most of your money and set aside the remainder in case Bitcoin drops back to $20,000 or below. Or you can divide your money into 3 parts and use 1 part to buy today, keep the other 2 in case Bitcoin drops, but if the price rises instead, use 1 part to buy at $30,000. The other one is reserved for the worst case scenario. This isn't strictly the DCA that everybody is talking about, but I think this is also a good approach.

It is still a DCA.
"You can buy right now with most of your money and set aside the remainder" - means that you just made an initial investment, and you still reserved some money for your next investment in case the price of Bitcoin drops. The fact that an investment was made/planned to be done in a different timeframe, you can't treat it as a lump sum anymore.

We really can't deny that the wisest strategy to accumulate Bitcoin is DCA. By regularly investing, gives the advantage of reducing the effect of volatility during our accumulation of Bitcoin. Also, if ever the price of Bitcoin suddenly drops, you won't be thinking of whether you will buy or not, because you already planned on regularly purchasing Bitcoin.

It is not DCA.

So what if there's a reserved money in case the price of Bitcoin drops? Does it automatically mean I'm involved in DCA? Of course, not. Again, lump-sum buying doesn't mean one-time purchase. If that's what you mean, then everybody is into DCA because I'm sure everybody has purchased Bitcoin more than once. But DCA doesn't just mean buying Bitcoin 2 times or more.

In the first place, if you speculate on the possible future movements of Bitcoin and do the buying according to that, you're not into DCA. If you're buying according to the price, you're not doing DCA.

Here are at least 3 definitions of DCA:

• Bitpay- "In the traditional finance world, dollar-cost averaging (DCA) is a time-honored investment strategy that involves purchasing set amounts of stock at regular intervals, whether the price is high or low." "Dollar-cost averaging (DCA) means making smaller, equal investments on an ongoing basis, instead of making large or irregular crypto buys."^[1]
• Coinbase- "DCA is a long-term strategy, where an investor regularly buys smaller amounts of an asset over a period of time, no matter the price (for example, investing $100 in Bitcoin every month for a year, instead of $1,200 at once)."^[2]
• Cointelegraph- "In the case of DCA, it’s initially about investing a certain amount of money in a predefined asset and at a fixed time."^[3]

[1] https://bitpay.com/blog/dollar-cost-averaging-crypto/
[2] https://www.coinbase.com/learn/tips-and-tutorials/dollar-cost-averaging
[3] https://cointelegraph.com/news/what-is-dollar-cost-averaging-dca-and-how-does-it-work

[GbitG]

A good trader is one who knows how to diversify between these strategies according to the market situation.

Yes, of course, a wise trader has this quality that he knows when and what strategy to use to see market conditions and make a profit. But the quality of implementing the strategy depends on your capital and how much you can invest in the market.

I will also show my position on the strategies of DCA and Lam Sum. Let's see which strategy is better and what market experience people say about it. It is true that in the past six years, LAMP SAM has performed consistently and better than DCA. But this does not mean that DCA is a bad strategy; rather, it means that it depends on you, as an experienced trader, what your reaction is to the movement of the market.
As Lamp Sam performed well in the past 6 years, traders emphasized this strategy, but the trend of up simulation analysis is more on DCA because, in the current market conditions, only DCA performance has been seen.

Therefore, I also believe that it is better to use the DCA strategy in the current situation because the volatility in the market has increased with the entry of big people and institutions into the market compared to before, and the price possibility from a technical analysis and long-term perspective can't be speculated on except in a few months.
So I think the DCA strategy is better than LAMP SAM for small portfolio people like us.

[justdimin]

I would go with the lump-sum, assuming you mean a big amount when the price drops. That once held for long gives you enough price to sell at a decent profit. This means that instead of buying every month in DCA you buy once every 4-6months during a bear market and you sell like that in a bull market. Use the profit to buy back at the next bear market and continue to multiply your money.

This needs patience and by that I mean a lot of it. Fortunately I can do that because I have other sources of income. So that cushioning is needed for anyone attempting this method.

I will also do the same thing if I notice a considerable drop in price and also have the money to buy. I don't really see any need stressing myself with calculations and turning up weekly or monthly to buy Bitcoin when I can just put in the lump sum and focus on other things.

DCA method should be for those who do not have huge amount of money to buy at once but have regular income like salary; part of this regular income can be converted into Bitcoin through the DCA method.

Well if you see a considerable drop then it is of course smarter to go in lump sum so that you would take advantage of the situation, however I believe that DCA could be better for the long term, because price doesn't drop all the time at all times, sometimes it does drop and lump sum makes sense only during those times, in other times that doesn't really make sense.

Of course it's your decision and you can do whatever you want with it, if you want to go all in then you can go all in, if you do not want to go all in then you do not have to. Me personally, I prefer going with just purchase first of every month when I get my salary, I put 10% of my salary into bitcoin every single month (if I can) and that makes it better, no matter what the price is.

[ScoobyDu]

As a newbie in bitcoin, i always choose Dollar Cost Averaging. Because at start nobody have to invest all of his money in bitcoin. he must prefer to make investment in installment.

And also Lump-sum investment can be useful if you start learning how the market is behaving. but sometime market can be highly unpredictable, and even experienced traders can't make investment correctly.

[lixer]

As far as I know — in most cases, lump sum is the way to go assuming you can really just hold and not sell and attempt to buy lower. The sole reason why DCA is heavily recommended is because it makes the 'investor' less susceptible to huge (temporary) drawdowns. Some investors that are down a huge chunk tend to sell their stack to hopefully "buy back lower".

Basically, lumpsum purchases are good if the market is totally at the bottom so that when you buy and the market starts recovering from that point, you will have bought your assets at almost the best price because if you start doing DCA when it's at the bottom and keep buying when it's recovering, you will be getting a bit more expensive price after every purchase because the market will be going up, and that will result in you getting a lower quantity at the end.

DCA is useful when you are not really certain if the market will go up or down at some point and you don't really want to miss the current price point because you think it isn't bad. So, you start buying with a portion of your capital and then keep doing that after a specific interval of it either going up or down.

[snowpega]

As i aforementioned at the start of this thread;

Note: This thread may helpful to other member who just start their BitcoinBTC accumulation just now. So, Share your knowledge, opinions and experience accordingly. Many Thanks!

Thank Y'All for Sharing your opinions,Experience and knowledge To Make This Thread Useful.

Code:

1. philipma1957         11. _BlackStar               21. Apocollapse        31. pixie85             41. Salahmu
2. lovesmayfamilis      12. TheUltraElite            22. justdimin          32. ZAINmalik75         42. adultcrypto
3. mk4                  13. serveria.com             23. Mr.right85         33. Dave1               43. spectre71
4. The Cryptovator      14. coolcoinz                24. Vaculin            34. gunhell16           44. ScoobyDu
5. Ale88                15. jaberwock                25. lixer              35. Faisal2202          45. Bitcoinpoly
6. Darker45             16. Rruchi man               26. passwordnow        36. DabsPoorVersion     
7. DeathAngel           17. _act_                    27. BitcoinPanther     37. angrybirdy          
8. Don Pedro Dinero     18. Die_empty                28. Eternad            38. GbitG                  
9. Husires              19. dansus021                29. Blitzboy           39. Sim_card            
10. crwth               20. SquirrelJulietGarden     30. panganib999        40. Gaza13              

I am Really Happy to see you all here. I read all of the replies of this thread. You People really share your good experience, knowledge and your opinions to make this thread useful to other members who just started their journey for the accumulation of Bitcoin and still thinking which strategy they should use for the accumulation of bitcoin. Many Thanks!


Kind regards!

-snowpega-

[Wind_FURY]

End: it is my part over the discussion "DCA Vs Lump-sum" So, Please must share your thoughts, opinion & Knowledge over this topic "DCA Vs Lump-sum" to make this thread useful for me and my other beloved members of the Bitcointalk community.

-snowpega-

Personally, I prefer looking for discounts, and buy the DIP and HODL. I know that DIPs could go lower after the purchase sometimes, but having a discount is definitely better than no discount if you ask me. But for the topic, "Lump sum vs. DCA", I believe from a plebs perspective just do what you are comfortable doing, do what gives you the least stress/anxiety, and do what makes you happy. In fact, you can do both if you want to, no?

¯\_(ツ)_/¯

[BITCOIN4X]

~Snip

Personally, I prefer looking for discounts, and buy the DIP and HODL. I know that DIPs could go lower after the purchase sometimes, but having a discount is definitely better than no discount if you ask me. But for the topic, "Lump sum vs. DCA", I believe from a plebs perspective just do what you are comfortable doing, do what gives you the least stress/anxiety, and do what makes you happy. In fact, you can do both if you want to, no?

¯\_(ツ)_/¯

Lump Sum and DCA are fine to do regardless of which one they prefer the most. In fact both strategies will only be profitable if they are actually executed at the right time. DCA at any price is fine mainly because of their approach to accumulation, but Lump Sum on dip is also fine. In my opinion, both strategies are mutually beneficial rather than finding out which one is the best between the two, but of course this must be adjusted to market conditions and also the budget we have.

[Casdinyard]

DCA is good, but there are sometimes that you will leave DCA alone and invest big amount. Let us say that you have been DCAing since some months ago and the price of bitcoin within one week fall to $20000, if you have money that you can use to invest at once, you will not hesitate but invest it immediately becuase you have speculated that bitcoin price may not fall further.

DCA is good when you do not know if the price of bitcoin will not increase or decrease. Or if you do not have enough money to invest at once.

You may invest at once if you analyzed the price of bitcoin is low already.

Investors may go for either of the two, it is what the price of bitcoin is at that will determine that.

There is also a time that investing is not good, when bitcoin has increased significantly several times.

DCA is good regardless of the situation. What makes it not good for you guys is the fact that you're making a big deal out of crypto's price action when it was the very reason that you're using DCA in the first place which is to still have a stake on bitcoin regardless of the current price trend. You ever see people stopping with their DCA when there's a price decline? At least those who are sensible enough to always follow through with it no matter how the market looks?

Again, DCA is a surefire strategy to always earn in the crypto industry provided that you follow through with the regularities that it will force you to be. Fall short and you already fail.

[ScoobyDu]

Lump Sum and DCA are fine to do regardless of which one they prefer the most. In fact both strategies will only be profitable if they are actually executed at the right time. DCA at any price is fine mainly because of their approach to accumulation, but Lump Sum on dip is also fine. In my opinion, both strategies are mutually beneficial rather than finding out which one is the best between the two, but of course this must be adjusted to market conditions and also the budget we have.

yes, both strategies have their own importance. I think DCA provides a disciplined method for accumulating assets over time, and it's great for those who want to reduce their risk and they don't not need to worry too much about market fluctuation. And executing a Lump Sum investment during market dips can also be a sound strategy, taking advantage of lower prices.

[Jegileman]

DCA is good actually but not everyone knows how to use it. As for me I like DCA but for real i don’t really know how to use it, so I use smart portfolio.

How does smart portfolio function? I've never heard of it before, and I've yet to see a better way to accumulate bitcoin than the DCA method.  How does smart portfolio operate if it is good?
DCA is not difficult to accomplish; all that is required is your commitment and effort, as well as consistency. Everyone desires consistency, yet the influx of financial resources always limits the DCA method.  However, what is more necessary is to stick with the strategy for a long time in order to thrive and gain substantial profits afterward.

[KiaKia]

Lack of knowing the exact bottom is why we use DCA strategy but when a massive dump hit the market it's a good time to use high sum of money to take that opportunity, assuming Bitcoin goes 40% down it's a big buying opportunity because you are buying the most valuable digital asset for lesser price and this opportunity will run out very quick, after every massive dump bitcoin always recover fast, it has happened so many times already.

And when the market is kinda calm and weeks goes by and monthly go by its accumulation phase, just keep using few dollars to buy some amount of Bitcoin for the time being, in this phase Bitcoin always go side ways for a long period of time.

The reason why I like Bitcoin investment is because you don't have to monitor anything else, you can keep buying Bitcoin while you are on holiday on an island a lot anywhere, compare to other altcoins that need constant monitoring, maybe a change of smart contract or other, they are so annoying.

[salad daging]

Lump Sum and DCA are fine to do regardless of which one they prefer the most. In fact both strategies will only be profitable if they are actually executed at the right time. DCA at any price is fine mainly because of their approach to accumulation, but Lump Sum on dip is also fine. In my opinion, both strategies are mutually beneficial rather than finding out which one is the best between the two, but of course this must be adjusted to market conditions and also the budget we have.

The fact is that both strategies "Lump sum and DCA" are the best investment strategies, I don't do lump sum only rely on DCA strategy this is more what I prefer than lump sun there is a reason why it should be DCA because this has become the right fit for me so DCA every week at any price will not be a problem until it will still be profitable.

Waiting for the discount price I think many people do this they want to buy at once so that the results obtained at the price that the decline, maybe from them have prepared funds to do this because for myself every time there is more money holding for bitcoin it will immediately buy bitcoin without thinking about the price, yes this is called DCA.

[snowpega]

Personally, I prefer looking for discounts, and buy the DIP and HODL. I know that DIPs could go lower after the purchase sometimes, but having a discount is definitely better than no discount if you ask me.

Indeed, you raised really good point here. Who don't want to have discount? it is obvious that everybody would like to have it. Probably not everybody get this opportunity of discount.

But for the topic, "Lump sum vs. DCA", I believe from a plebs perspective just do what you are comfortable doing, do what gives you the least stress/anxiety, and do what makes you happy. In fact, you can do both if you want to, no?

Yes, you said so well that do what gives you the least stress/anxiety, and do what makes you happy.

In fact, you can do both if you want to, no?

but can you please tell me how can a pleb will do lump sum because maybe it can be prove a wrong decision for him to invest all at once because we know that we can't time the market and his action of doing lump sum can be put him to do repent because maybe after that market go more down where  pleb can enter in the market to have good profit out of market. I so would say DCA is good for Plebs and short investors and Lump Sum is good for the Big Investors and big investors can choose any technique that they want.

Must share your opinion over this maybe we can get a better solution for This. Many Thanks!

Kind Regards...... Snowpega

[livingfree]

but can you please tell me how can a pleb will do lump sum because maybe it can be prove a wrong decision for him to invest all at once because we know that we can't time the market and his action of doing lump sum can be put him to do repent because maybe after that market go more down where  pleb can enter in the market to have good profit out of market. I so would say DCA is good for Plebs and short investors and Lump Sum is good for the Big Investors and big investors can choose any technique that they want.

Must share your opinion over this maybe we can get a better solution for This. Many Thanks!

Kind Regards...... Snowpega

It will only work when you've just got to happen that you've got money that you don't want to spend somewhere else and you want it to get deployed into the market so that you've got assurance that you won't spend it to nonsense things.

But you have a point about we just can't do the lumpsum because you might need the money and the better approach is to DCA it. So that if ever the time comes that you're in dire need, you have the money to pull out of your pocket and at the same time you still have some allocation for your DCAing strategy for Bitcoin.

[libert19]

I'd choose DCA too as one can never time the market correctly, one may think it's dip but it keeps dipping and then you feel regret why did you purchase early. So yes, DCA all the way.