Everyone says buy the dip.We make sure you actually do.

A rule that invests more when the market falls. Set once, runs every trading day, in your own brokerage account.

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Example signal
SPY$487.30
Golden Pit
Invest today
$500
5× your daily base

Four kinds of day. Four amounts.

Regular investing buys the same amount every day. The rule buys more the further the market has fallen. Every trading day it reads the market and sets one amount; only one applies.

Regular DCA · same $100 every daySmart DCA · more as the market falls
Normal
Price $100
$100
$100
Normal
Price $97
$100
$100
Volatility
Price $92
$100
$200
Golden Pit
Price $86
$100
$500
Diamond Pit
Price $76
$100
$1,000
Regular DCA
$500 invested
Average price $89.34
Smart DCA
$1,900 invested
Average price $81.98
Illustrative five days on a $100 daily base. The extra comes from the reserve that builds on calm days. Not historical performance.
Normal1×
On a $100 daily base
$100
The market is near its highs
Volatility2×
On a $100 daily base
$200
Nerves are up, even if prices have not fallen far
Golden Pit5×
On a $100 daily base
$500
The market has fallen meaningfully from its recent peak
Diamond Pit10×
On a $100 daily base
$1,000
The market has fallen a long way from its recent peak
These are the full amounts. On a deep fall the rule buys what your reserve holds at that moment, which may be less.
How The Rule Decides

The same money, same ten years.

The best ten-year window from real market history, and the average across every window since 2000.

With the rulePlain DCA + savings
QQQ · Jan 2015 to Dec 2024 · the best of 34 ten-year windows
Shaded: days the rule bought at 5× or 10×With the rule $1,026KPlain DCA + savings $847K20152017201920212023
With the rule $1,026K · Plain DCA + savings $847K
$179,842 more from the same money. The difference is what the rule did on the days the market fell.
+2% a year
More return per year, on average, from the same money.

Hypothetical backtested performance. Past performance does not guarantee future results.

Set it up once. Then it runs on a rule, not on nerve.

Three steps. Under five minutes.

1
Create your account
Email and a code, or continue with Google. About 30 seconds.
2
Set your daily amount
Choose SPY, QQQ or both and one number per trading day. The reserve builds alongside it.
3
Get the signal at 3:45 PM ET
By email or Telegram: the zone and the amount. Buy it yourself in any broker, or on the paid plan let your connected Schwab account place it for you.

The money stays in your own brokerage account; we never hold it. Schwab asks you to re-approve the connection about once a week, and we tell you when it is due.

Three tools. One platform.

The signal is what you pay for. The other two are free, so you understand what you own.

Smart DCA Signals

One instruction every trading day at 3:45 PM ET. Which index, how much, and which zone triggered it. Delivered by email, Telegram, or both.

SPY And QQQ, Every Trading Day
The two indices that matter for long-term wealth
Four Market Zones
Normal, Volatility, Golden Pit, Diamond Pit
Email And Telegram Delivery
Choose one channel, or both for redundancy
Schwab Auto-Trade Ready
Paid plan
Open your broker and buy the amount shown — any broker works.
Go to pricing →
Smart DCA Signals App
Free · every trading day, 8:00 AM ET

Morning Brief

What moved the names you follow overnight, what is on today's calendar, and where futures and the VIX stand right now. Written from sourced data, with no recommendation attached.

Morning Brief: today's lead and your stocks this morning
Free · any listed company

Stock Insight

Valuation multiples and the analyst range, upcoming earnings, dividends and shareholder meetings, and a fundamentals score. Dated and sourced. No rating, no target.

Stock Insight: what's coming and valuation for AAPL

Free to start. One price if you want the signals.

The tools that help you understand your holdings are free. You pay only for the daily instruction.

Free
Start with the basics
Core features
✓
Morning Brief
✓
Stock Insights
✓
Up to 8 stocks followed
✓
Sentiment and technical analysis
✓
Upcoming catalysts
Smart DCA Auto
Unlock daily signals and auto-trading
$49$29/ month
7-day free trial · card required · cancel any time before day 8
Get Free Trial
Everything in Free, plus:
✓
Everything in Free
✓
Unlimited stocks followed
✓
Daily Smart DCA signals for SPY and QQQ
✓
All four market zones
✓
Email and Telegram delivery
✓
Charles Schwab connection with Auto-Trade

Charles Schwab is the supported broker today. Schwab asks you to re-approve the connection about once a week, and we tell you when it is due. Secured by Stripe · No hidden fees · Cancel from your account at any time

Questions people ask before signing up.

Is This Financial Advice?

No. Investo.AI is an informational and educational tool. Our signals are data-driven alerts, not personalized financial advice. Past performance does not guarantee future results. Always make investment decisions based on your own financial situation and risk tolerance.

Whose Money Is It, And Who Holds It?

Your money always stays inside your own brokerage account. We never hold, manage, or touch your funds.

What Do I Get Without Paying?

On the Free plan, you get daily market digests, AI stock insights, sentiment analysis, and tracking for up to 8 stocks.

How Much Money Do I Need To Start?

You can start with any amount! Fractional shares allow you to execute signals with as little as $5 or $10 a day.

What If The Market Keeps Falling?

Smart DCA rules cap maximum daily allocations to protect your cash reserve while continuing to accumulate shares at lower average costs.

Set the rule while you're calm.

The rule doesn't panic, doesn't get distracted, and doesn't talk itself out of buying on a red day. Set it once, and get one clear instruction every trading day.

Start for free
7-day free trial · card required · cancel before day 8 at no charge