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I’ve Stopped Blindly Dollar-Cost Averaging Into the Market
There is a smarter way to invest the same money and potentially walk away with a lot more
Market Unfiltered6 min read·Just now--
For years, I followed the same advice most investors swear by: pick an amount, invest it every month, and don’t overthink it.
It sounds elegant. It removes emotion. It promises long-term growth without needing to “time the market.”
And to be fair — it works.
But at some point, I started questioning one core assumption behind it — Why should I buy the same amount when the market is expensive as I do when it’s cheap?
That never sat right with me. Markets move in cycles. Valuations stretch and compress. Fear and greed come and go.
Yet the strategy most people follow treats every month exactly the same.
So I went down a rabbit hole trying to find a better way, without abandoning the discipline that makes dollar-cost averaging powerful in the first place.
That’s when I came across a concept that completely changed how I think about long-term investing.
