Is Dollar Cost Averaging Still Worth It in 2025? Here’s Why I Still Use It Every Single Day
- Silivere Bakomeza
- 5 days ago
- 4 min read
Written by Silivere Bakomeza, Founder of BakoInvest
Everyone’s Chasing Alpha. I’m Chasing Discipline.
Most people are trying to time the market.
I’m just trying to outlast it.
Since April 2025, I’ve invested $50 every single weekday into MicroStrategy ($MSTR), whether it’s up, down, or flat. Not because I love volatility, but because I trust a simple system:
Dollar cost averaging (DCA) still works — if you have the stomach to keep going when everyone else stops.
In this post, I’m going to walk you through:
Why dollar cost averaging in 2025 is still a powerful strategy
Who it works for (and who it doesn’t)
How I use it in real life — not theory
What it’s teaching me about money, conviction, and long-term wealth
This is part of my 20-year mission to build wealth one share at a time — and document every move publicly on BakoInvest.com.
Let’s break the myth that DCA is for the scared — and show how it can be a conviction play when done right.
What Is Dollar Cost Averaging (DCA)?
Dollar cost averaging is the strategy of investing the same amount of money into the same asset at regular intervals — regardless of price.
In simpler terms:
When prices are high, you buy fewer shares
When prices are low, you buy more
Over time, your average cost balances out — and emotions get removed from the equation
It’s boring.
It’s predictable.
And it’s exactly why it works.
Why I Still Believe in Dollar Cost Averaging in 2025
Here’s what’s real in 2025:
Markets are more emotional than ever
TikTok finance is louder than long-term logic
Bitcoin’s volatility is back
People treat conviction like a meme, not a mindset
In that chaos, DCA is my anchor.
Here’s why it’s still worth using — and exactly how I use it every weekday.
1. Timing Is a Lie Most People Can’t Pull Off
Yes, lump-sum investing statistically beats DCA in a flat or bull market.
But here’s what those stats don’t tell you:
Most people don’t have a lump sum
And even when they do, they get scared and hesitate
DCA protects me from that emotional rollercoaster.
It’s how I stay consistent without having to be a genius.
If I waited for the “perfect entry,” I’d still be waiting.
2. DCA Forces Me to Show Up Daily — No Matter What
Every weekday the market is open, I buy $50 worth of MSTR.
Not because I feel like it.
But because I set the rule — and I follow it.
Here’s what that routine has built so far:
1.38 shares in
Documented every week
Zero skipped days
Growing discipline, not just returns
You can follow my journey here:
3. Volatility Is My Friend — But Only with a Plan
Most people fear dips.
I love them — because I know I’m buying more for the same $50.
Whether MSTR is at $340 or $540, my dollar cost averaging strategy keeps moving.
No panic. No greed. No hesitation.
I’ve stopped trying to time the market.
Now I just stay in the market — with purpose.
What Dollar Cost Averaging in 2025 Can Teach You About Wealth
I don’t care if you DCA into $MSTR, $VOO, $TSLA, or even Bitcoin.
What I care about is that you have a plan — and you stick to it.
Because wealth isn’t built by:
Making perfect trades
Catching every dip
Or following influencers
It’s built by staying in the game when others flinch.
Want to Try DCA Yourself? Here Are My Recommended Platforms
Start where you are — but just start.
These are the tools I use or recommend:
Robinhood — Easiest way to automate daily buys into $MSTR or ETFs
Webull — Great for options and advanced charting
Acorns — Rounds up spare change into long-term index funds
Coinbase — Best for Bitcoin and crypto DCA
Crypto.com — Simple mobile interface for consistent crypto DCA
But Isn’t DCA Too Slow?
Yes — it’s slow.
But so is compounding.
And so is building wealth the right way.
I’m not doing this to get rich next week.
I’m doing this so that when 2045 hits, I’ll have 20 years of disciplined entries into one asset I believe in — and the data to prove it.
This isn’t just about returns. It’s about:
Building something public
Transparent
Repeatable
That’s what BakoInvest is here for.
So, Is Dollar-Cost Averaging Still Worth It?
Yes. But only if you:
Know what you’re buying
Stick to your plan
Let time and consistency do the heavy lifting
You don’t need to beat the market every year.
You just need to not beat yourself.
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Final Thought
Dollar cost averaging isn’t about being right.
It’s about showing up long enough for the truth to unfold.
I’m betting on one stock.
I’m using one strategy.
And I’m doing it for 20 years — not 20 days.
Most people won’t understand this post until they’ve lost enough money chasing shortcuts.
But you’re not most people.
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