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You know what to do
Every investor knows the theory. Buy more when prices fall. It is the single most repeated piece of advice in investing, and almost nobody follows it.
A rule that buys more when the market falls.
You already invest regularly. Smart DCA keeps that going, builds a reserve alongside it, and releases more of that reserve the further the market drops below its recent high.
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The Problem
Your savings aren't the problem.
Your timing is.
Money sitting in cash isn't failing because the rate is low. It's failing because it never moves at the moment it should.
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The moment arrives and you don't move
A 20% drop doesn't feel like an opportunity while it's happening. It feels like the beginning of something worse. Your judgement is at its weakest exactly when the price is at its best.
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Then it recovers without you
The market climbs back. The cash you set aside is still sitting there. And the next time it happens, you do the same thing again.
The gap isn't knowledge. It's execution under pressure.
The Mechanism
One daily amount. One rule. Four outcomes.
Set one number. The rule handles the rest.
You set one number: how much to invest each trading day. From that, a reserve builds alongside your daily contributions. Every trading day the rule reads the market and sets one amount. It steps up when the market has fallen, and you always see which one applied.
One input
You set the daily amount. Nothing else to configure.
The reserve builds itself
It accrues alongside your daily investing. You never set it aside.
The rule decides, not you
A fixed rule, checked the same way every day.
No decisions, no timing, no nerve.
The zones
Four kinds of day.
Four amounts.
Every trading day the rule reads the market and sets one amount. You never decide it, and only one applies.
Normal1×
On a $100 daily base
$100
The Market Is Near Its Highs
Most days
Your daily amount goes in as planned. Nothing to decide.
Volatility2×
On a $100 daily base
$200
Nerves Are Up, Even If Prices Have Not Fallen Far
A handful of days a year
Fear is elevated even when prices have not moved much. The rule leans in.
Golden Pit5×
On a $100 daily base
$500
The Market Has Fallen Meaningfully From Its Recent Peak
Some weeks in a typical few years
A meaningful drop. The moment most investors freeze is the moment the rule buys more.
Diamond Pit10×
On a $100 daily base
$1,000
The Market Has Fallen A Long Way From Its Recent Peak
Rare — a deep market fall
A deep fall. The rule reaches its maximum — on schedule, not on nerve.
Frequencies are based on how the market has actually behaved since 2000. Only one zone applies on any given day. You see which one, and the exact amount, in every signal.
The Difference
Same discipline. Different response to a falling market.
Both approaches invest on a schedule. Only one changes what it does when prices drop.
Regular DCA
RegularWhat you set
A fixed amount and a schedule
When the market falls 10%
The same amount goes in
When the market falls 20%
The same amount goes in
What decides
The calendar
What you do on a red day
Nothing different — and that is the problem
Smart DCA
SmartWhat you set
A daily amount. The reserve builds from it automatically
When the market falls 10%
Five times the daily amount goes in
When the market falls 20%
Ten times the daily amount goes in
What decides
A published rule, checked every trading day
What you do on a red day
Follow the instruction you set while you were calm
Regular investing removes the timing decision. Smart DCA removes it too — and then acts on the opportunity that timing decision was costing you.
The rule keeps its nerve on the days you lose yours
Backtested Illustration
What the rule would have done in 2022.
A walkthrough of the zones the rule would have entered during that drawdown,
and the amounts it would have called for at a $100 daily base.
Backtested illustration — not a record of trades placed
The rule deployed more as the market fell further, and returned to base amount as it recovered. Whether that produced a better outcome depends on the window — the full record, including the windows where it did not, is in the evidence section above.
Across every window we tested, 73 of 78 came out ahead.
See the evidenceNormalThe market is near its highs
$100 / dayVolatilityNerves are up, even if prices have not fallen far
$200 / dayGolden PitThe market has fallen meaningfully from its recent peak
$500 / dayDiamond PitThe market has fallen a long way from its recent peak
$1,000 / dayDiamond PitA deep market fall — the deepest point
$1,000 / dayNormalRecovery — the market near its highs again
$100 / dayCommon Questions
The things people ask before starting.
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