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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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.
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.
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.
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.
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.
No decisions, no timing, no nerve.
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.
The Market Is Near Its Highs
Most daysYour daily amount goes in as planned. Nothing to decide.
Nerves Are Up, Even If Prices Have Not Fallen Far
A handful of days a yearFear is elevated even when prices have not moved much. The rule leans in.
The Market Has Fallen Meaningfully From Its Recent Peak
Some weeks in a typical few yearsA meaningful drop. The moment most investors freeze is the moment the rule buys more.
The Market Has Fallen A Long Way From Its Recent Peak
Rare — a deep market fallA deep fall. The rule reaches its maximum — on schedule, not on nerve.
The bigger amounts come from the reserve that has been accruing while the market
was calm. Your daily commitment does not change.
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.
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
RegularSmart DCA
SmartRegular 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
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 the 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 evidence →The things people ask before starting.
You get full access to Smart DCA signals for seven days. A card is required at sign-up, and it is not charged until day 8. Cancel any time before day 8 and you are not charged — we send a reminder 24 hours before the trial ends.
Decide 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.
7-day free trial · card required · cancel before day 8 at no charge