SIMULATOR
Bitcoin DCA vs Lump Sum Simulator
Dollar-cost averaging spreads your risk over time. Lump sum gets you in immediately. Which wins? It depends on the market - simulate it with your numbers.
Not financial advice. Past performance does not predict future results.
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Why This Matters
In consistently rising markets, lump sum wins more often - you get the most time in the market. Studies show lump sum beats DCA roughly two-thirds of the time in equities.
But Bitcoin isn't equities. DCA takes away the psychological weight of trying to time something that's moved 80% in both directions. If a 40% drop in week one would make you sell, DCA isn't just a strategy - it's damage control for how your brain handles loss.
DCA wins when prices dip and recover - you buy more at lower prices and pull your average cost down. The best strategy is the one you'll actually stick to.
RELATED READING
Bitcoin: Not Just Speculation
The investment case for Bitcoin, how to size a position, and why volatility changes the DCA math.