DCA buys at the average price across the term.
BTC Now locks in today's. Pick what you believe.
Target purchase(0.10 BTC – 1.00 BTC per plan)
$90,000.00
Pick a price. We'll assume Bitcoin moves there in a straight line. We can't time the volatility, and neither can you. That's the honest middle.
That's 3.3× today's $90,000.00.
For context: Bitcoin went from roughly $1K to roughly $77K over the past 10 years. The next 10 don't have to look like that. That's why you pick the number.
Buying $1,452.01 of Bitcoin every month for 120 months, with BTC moving in a straight line from $90,000.00 to $300,000.00:
BTC accumulated
0.99 BTC
Avg price paid
$175,409.89
Total spent
$174,241.75
BTC price at end
$300,000.00
Final portfolio value
$298,002.17
DCA spreads timing risk by buying the same dollar amount every month. The trade-off: every month BTC ticks up, your dollars buy fewer coins. If you believe Bitcoin trends up, DCA structurally hands you fewer coins than locking in today's price.
Locked at today's price
Locked at
$90,000.00
For
1.00 BTC
Your BTC Now plan, owned from day 1:
BTC owned (day 1)
1.00 BTC
Effective price/BTC
$174,241.75
Monthly payment
$1,452.01
Total paid
$174,241.75
Final portfolio value
$300,000.00
Break-even growth rate
+6.8% / year
If Bitcoin grows faster than +6.8% / year on average over the next 10 years, BTC Now ends in the green. Your 1.00 BTC is worth more than total payments. Slower and you've paid more than your Bitcoin is worth.
Your assumption ($300,000.00 = +12.8% / year) is above breakeven. At your end price, BTC Now ends with $125,758.25 of profit (1.00 BTC worth $300,000.00 vs. $174,241.75 paid). If you're wrong on direction, walk away. No more payments owed.
Today's price locks the moment you sign.