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Stop Arguing About DCA vs Market Timing — I Built Something Better Instead
Market Unfiltered7 min read·Just now--
For years, I’ve watched the same debate play out in investing circles.
On one side, you have the market timers — the ones who swear they’ll buy the bottom and sell the top.
On the other side, you have the DCA crowd — steady, disciplined, almost stubborn in their belief that time in the market beats timing the market.
And if I’m being honest, I’ve gone back and forth between both camps more times than I can count.
Because both sides are right… and both are wrong.
Market timing sounds great in theory. In reality, almost nobody executes it consistently. You might get one cycle right, maybe even two, but over time, emotion creeps in. Fear, greed, hesitation — they all show up when it matters most.
DCA, on the other hand, removes that emotional burden. You just keep buying. Every month. Regardless of what the market is doing.
But here’s the problem I couldn’t ignore anymore.
DCA treats a market crash the same way it treats an all-time high.
