The DCA (Delusional Confidence Accumulation?) Phase

Spiders
06-25

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?

  • 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.

  • 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)

  • 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.

  • 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.

# Smart People Lose Money Too? What Phase Are You in as an Investor?

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Report

Comment（3）

  • Top
  • Latest
  • JimmyHua
    ·06-25
    This resonates a lot. DCA isn’t flashy, but it’s practical. I’ve been adding to my blue-chip basket quietly too. Slow and steady really does keep the stress levels down—respect![Smart]
    Reply
    Report
  • AL_Ishan
    ·06-25
    Haha love the “Delusional Confidence Accumulation” phase 😂 I’m more into wild rides like GME and SOUN, but gotta respect the chill DCA grind. One hand diamond hands, other hand steady hands lol.
    Reply
    Report
  • Kristina_
    ·06-25
    Love this mindset! I’m all in on Tesla and big tech, but I totally get the value of steady DCA plays like TLH and PFE. Long-term thinking > hype chasing. Future Me better be grateful too! 😉
    Reply
    Report