Started Dollar-Cost Averaging, Ended Up a Legend at Just Holding

Agreed... I've been doing dollar-cost averaging for 3 years now, and it's been a while since I last checked my account lol

Got a source? It depends on which asset it was accumulated in, lol

I agree. I just set up the monthly automatic transfer and turned off app notifications. Checking won’t change anything—it just adds stress lol

Oh, I didn’t know this. I thought that if I just put money in every month, I’d automatically make a profit—so everyone was actually in the negative like this...

But isn't three years a bit short to call it "holding"? With dollar-cost averaging, you need to let it run for at least 5–10 years for mean reversion to be meaningful, no? It feels too early to judge based only on current returns. Of course, if you're in a loss range right now, it's only natural to lose your cool.

Well, that’s a bit... Dollar-cost averaging is meant to help you endure downturns too, but buying without looking is avoidance, not a strategy. And saying cash is better is usually something people say when they can’t figure out when to buy.

I've been investing for over five years, and in the end, just tracking the index is the answer. If you pick individual stocks and invest regularly, most people can't beat the index. And a lot of people say "having cash is an advantage," but when you factor in inflation, cash also delivers negative returns every month. Unless they mean it's better to park it at the risk-free rate.