Post
Topic
Board Speculation
Re: Buy Buy Buy or Sell Sell Sell?
by
Kelward
on 17/09/2025, 11:37:33 UTC
If you've a large discretionary income present, it's fine to lump sum since the funds are available. Personally, I wouldn't lump sum with everything at once. I'll like to divide the money into 3 parts, lump sum with the first part, use the second part to increase my aggressiveness in DCA and keep the last part for buying my target dip.

So I did lump sum some time back, but personally I feel now (hindsight?) that splitting the same amount into a DCA would have been a more effective approach.

I bought in Nov '24, as a lumpsum. Then in Jan/Feb I was happy but in Feb we got a bit of a dip - right up until April.

Conversely if I'd done a small amount in Nov, then bought DCA below my last buy price I think I'd have made a bundle more.
You did a good thing by front loading your Bitcoin investment with a lump sum and shouldn't regret why you didn't split the money you used for lump sum into different parts and use it for DCAing, which would have given you the opportunity to buy the long dip that happened between February to April. As a newbie that's starting his Bitcoin investment, after you have front loaded your Bitcoin investment with a lump sum, you should have an ongoing DCA strategy so that you will be persistent and consistent in accumulate Bitcoin, and it will allow you to take advantage of the market and buy any dip that will occur.
The question of whether you should buy in lump sum or split it should not a problem I think that the answer is quite simple, buy when you have the money to buy. Example is if I'm doing my regular DCA method and I happen to come into extra money, I will decide how much I want to use to buy Bitcoin  and do it. Lump sum should not disturb my regular DCA accumulation because it doesn't come periodically like the money that I use for my DCA.

The reason why I personally don't like to split lump sum into bits is that before the next round that I should buy with a part of the the lump sum I might use the money for something else. Any money that is meant to buy Bitcoin at anytime is fully used for the purpose immediately, I don't split or postpone.