Many millionaires and billionaires use DCA investing strategy such as Michael Saylor (Holding almost 800,000 Bitcoin) use DCA investing strategy to buy Bitcoin. Recent He bought almots $1 billion worth of Bitcoin.
Now, this investing strategy retail investors also can use to invest in Bitcoin or Altcoins through crypto SIP. I used CoinDCX app for Crypto SIP and buy ₹200 worth bitcoin every week.
What is DCA?
DCA = Dollar Cost Averaging, is an investment strategy. In which, investors (small, medium or large) use fixed amount of money (dollar) to buy crypto on a regular intervals. It’s a good way to develop a disciplined crypto investing habit, be more efficient in how invest, and potentially lower stress level as well as average cost per crypto.
Example – I buy ₹200 worth bitcoin every week.
This method known for consistency, Instead of trying to “time the market” (which is very risky). Simply invest consistently for long period of time to get better returns.
| Week | Weekly Investment in Bitcoin (₹) | Total Invested (₹) |
|---|---|---|
| 1 | 200 | 200 |
| 2 | 200 | 400 |
| 3 | 200 | 600 |
| 4 | 200 | 800 |
How DCA (Dollar Cost Averaging) Works?
DCA works on a very simple concept, where people invest a fixed amount of money into crypto at regular intervals (weekly, monthly, or quarterly) regardless of cryptocurrency current price.
This means investors don’t have to worry about whether crypto market is high or low, just keep investing regularly. For example, if invest ₹200 every week in Bitcoin, sometimes price will be high and investor will get a small amount of Bitcoin, and sometimes price will be low and investor will get more Bitcoin for same ₹200.
| Week | BTC Price (₹ approx) | Investment (₹) | BTC Bought |
|---|---|---|---|
| Week 1 | 60,00,000 | 200 | 0.00000333 |
| Week 2 | 62,00,000 | 200 | 0.00000323 |
| Week 3 | 58,00,000 | 200 | 0.00000344 |
| Week 4 | 64,00,000 | 200 | 0.00000312 |
Investor continue investing every week without trying to guess market. Slowly, Bitcoin keeps increasing, and build investment step by step. This method is simple, less stressful, and very useful for beginners who want to invest small amounts regularly. That’s why many billionairs, such as Warren Buffett, Michael Saylor, Robert Kiyosaki and more use this technique.
Pros & Cons of DCA (Dollar Cost Averaging)
This strategy involves making regular investment with same or similar amount of money each time. It helps managing risk and several other benefits. But also, there are some cons as well. Here are Pros and Cons of DCA (Dollar Cost Averaging)
Pros of DCA (Dollar Cost Averaging)
- Reduces Risk: Investors don’t invest all thier money at one price. This protects from buying at peak.
- No Need to Time Market: Don’t have to guess when price will go up or down. Just invest regularly.
- Less Stress: Market ups and downs don’t affect much because you keep investing fixed amount.
- Good for Beginners: Even with small money (like ₹200/week), can start investing easily.
- Builds Discipline: DCA creates a habit of regular investing, which helps in long-term wealth building.
Cons of DCA (Dollar Cost Averaging)
- Lower Returns in Bull Market: If market keeps going up, investing all money early (lump sum) could give more profit than DCA.
- Takes Time: DCA works best in long term. Investor may not see quick profits.
- Requires Consistency: Must invest regularly. Skipping weeks can reduce its effectiveness.
- Transaction Fees: Frequent buying (weekly/monthly) may increase fees on some platforms.
- Not 100% Safe: If the asset (like Bitcoin) goes down for long time, you can still face losses.
Crypto SIP vs DCA (Dollar Cost Averaging)
Crypto SIP and DCA (Dollar Cost Averaging) are both simple investing methods where invest a fixed amount of money at regular intervals instead of investing a large amount at once. In India, term “SIP” is more commonly used, especially in crypto mutual funds, while “DCA” (Dollar Cost Averaging) is global term widely used in crypto.
| Feature | Crypto SIP | Crypto DCA |
|---|---|---|
| Meaning | Systematic Investment Plan | Dollar Cost Averaging |
| Popular In | India (mutual funds & apps) | Global markets (crypto & stocks) |
| Investment Style | Fixed amount at regular intervals | Fixed amount at regular intervals |
| Strategy | Long-term investing | Risk management + long-term investing |
| Automation | Usually automated by platforms | Can be manual or automated |
| Flexibility | Less flexible | More flexible |
| Goal | Wealth creation over time | Reduce volatility impact & build wealth |
| Example | ₹200 weekly in crypto | ₹200 weekly in crypto |
How to Buy Bitcoin Just ₹200/Week?
In video above, I have shown how I started my Bitcoin buying journey with real proof. If you also want to start investing, you can begin with just ₹200 per week. It’s very simple and beginner-friendly, you just need the CoinDCX app to get started.
Step No. 1 – Download CoinDCX app (It is a FIU registered Crypto Exchange and No.1 In India)
Step No. 2 – Create account and complete KYC verification process.
Step No. 3 – Link bank account and add minimum ₹200 fund.
Step No. 4 – Open CoinDCX app and click on SIP icon from home screen.
Step No. 5 – Now, click on Bitcoin option from cryto coin list.
Step No. 6 – Start Investing ₹200/Week
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Best Cryptos for DCA Strategy
When using a DCA (Dollar Cost Averaging) strategy, it is important to choose strong and reliable cryptos that have shown long-term growth. DCA works best with coins that have survived market ups and downs and still delivered good returns over time. Instead of chasing hype or short-term trends, investors should focus on fundamentally strong projects with real-world use cases.
Below are the top 5 cryptos that are considered best for DCA, along with their performance from 2020 to 2025.
| Year | Bitcoin (BTC) | Ethereum (ETH) | Solana (SOL) | Binance Coin (BNB) | Chainlink (LINK) |
|---|---|---|---|---|---|
| 2020 | +303% | ~+470% | Launch phase | +150% | +500% |
| 2021 | +59% | ~+400% | +10,000%+ | +1300% | +75% |
| 2022 | -64% | -67% | -94% | -50% | -67% |
| 2023 | +155% | +90% | +900% | +30% | +150% |
| 2024 | +121% | +80% | +80% | +40% | +60% |
| 2025 | ~ -6% | ~ Flat | Volatile | Stable | Moderate |
Who Should Use ₹200 Weekly Crypto SIP?
A ₹200 weekly Crypto SIP (DCA) is good for beginners who want to build investing habit in crypto without taking big risks. This strategy helps in building a habit of investing while reducing the stress of market ups and downs. Even with a small amount like ₹200, you can slowly accumulate assets like Bitcoin over time.
- Best for beginners, students, long-term investors.
- Reduces risk of market timing.
- Builds strong investing discipline.
- Less stress during market ups & downs.
- No need to track market daily.
DCA (Dollar Cost Averaging) is a beginner-friendly strategies in crypto investing. Instead of worrying about market highs and lows, DCA allows to invest a fixed amount regularly and stay consistent like SIP. A simple plan like ₹200 per week can help investors gradually build their portfolio without stress or confusion. Over time, this method averages out buying price and reduces risk of entering the market at wrong time.
