Even smart people lose money in the market. Genius doesn’t always beat volatility. But me? I still want to be smart, just not the kind of “smart” that tries to outguess the market and ends up donating money to it.
So… what investing phase am I currently in?
Right now, I’m deep in what I like to call the Dollar Cost Averaging (DCA) phase or, if I’m feeling cheeky, the Delusional Confidence Accumulation phase. Every so often, I toss a bit more cash into my steady favorites like TLH (Treasury bond ETF) and PFE (Pfizer). It’s basically me telling the market, “You can’t scare me even if you try.”
Pfizer (PFE)
iShares 10-20 Year Treasury Bond ETF (TLH)
Why I Keep Loving DCA Even When It Feels Like Market Madness?
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Smooths out the roller coaster: The market’s like a crazy roller coaster. DCA means I toss in my money little by little because nobody wants to scream and lose their lunch and their savings on the first drop.
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My built-in emotion regulator: I place my orders, reminding myself that slow and steady wins the race.
But is DCA Actually Working?
The honest answer: I have no idea. The real verdict will come five years from now.
Some Real Talk: The Downsides of DCA (Because Nothing’s Perfect)
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Emotional fatigue: Staying committed week after week especially during brutal downturns is like running a marathon in flip-flops. It tests my patience, my sanity, and sometimes even my will to keep going. But honestly? Nah. I treat investing like a hobby, so I’m mostly just here for the ride and the occasional coffee break.
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False sense of security: DCA isn’t magic. You can’t just sprinkle your money on junk stocks and expect a miracle. Buying bad investments slowly just means slowly bleeding money instead of quickly. That said, I’m pretty sure PFE and TLH aren’t junk so fingers crossed, I’m okay for now!
Bottom Line?
For me, DCA isn’t about getting rich quick. It’s just my way of staying in the game without turning every red day into a personal crisis. I’m not trying to outsmart the market. I’m just buying a little here and there and hoping Future Me sends a thank-you card someday.
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