Investing
Automated ETF investing: DCA for cautious investors
Combine monthly deposits, semiannual rebalancing and a 60/40 mix to sleep well at night.
Key takeaways
Eighty percent of returns come from discipline, not timing the market.
- Stick to two global ETFs—equity plus bonds—to keep it simple.
- Schedule the automatic transfer on payday.
- Rebalance every six months or at ±5% drift.
Define the plan
Set your FIRE target using the FIRE calculator and derive the monthly contribution required.
Split contributions into 60% global equities and 40% short-duration bonds to soften drawdowns without sacrificing growth.
Lightweight tracking
Log each deposit with date, amount, NAV and a quick mood note—it keeps perspective during volatility.
When equities exceed 65%, direct the excess to bonds. If they fall below 55%, increase the equity leg.
Linked tools
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