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Strategy

Dollar-Cost Averaging (savings plan)

Invest equal amounts on a regular schedule.

Long-termPassiveKlassisches Sparplan-Prinzip

Core idea

With dollar-cost averaging you invest the same amount at fixed intervals (e.g. monthly), regardless of the price. When prices are low you automatically buy more shares, when prices are high you buy fewer. This removes the pressure of trying to time the perfect entry.

How it works

You set up an automatic savings plan into an ETF or stock and let it run for years. Market swings get smoothed out and discipline is built in.

Pros

  • Low-emotion and disciplined
  • Great for long-term wealth building
  • No market timing needed

Cons

  • In strongly rising markets a lump-sum investment would often have been mathematically better
  • Works only over long horizons
Known for
Klassisches Sparplan-Prinzip

For educational and informational purposes — not investment advice, not a recommendation to follow this strategy.