I think you are getting this part wrong after saying some good points in the beginning of your comments. The size of an investor portfolio fully depends on how much that has been invested so far. An investor can decide to invest $10,000 every month through DCA and for 6 and 1/2 months he will own one BTC in his portfolio. Thus he achieved his goal in a short period because he is financially capable. While another investor who is not financially strong can slowly invest a $100 every month and it will take him 2 to 3 years or even more to have one BTC. What am saying in essence is that our financially level determines the level of BTC we have in our portfolio but when it comes to gains and profits the longer we keep our investments the higher the returns we will get. For instance, if the first investor with one BTC decides to keep his investment for 4 years interval without buying more then he sells it off he might not have the same returns of investment to the second investor that kept accumulating for a decade and more. The longer we hold our coin the better we expect good profits in the future. But consistency is a key in accumulating and holding.