Super Save (DCA)

This is the most basic investment / saving strategy that is basically a retirement account. In this strategy we will just Dollar Cost Average (DCA) every month.

After the initial setup very little taught is required, just consistency every month.

No block ID is set

See our latest report below that provides in depth analyses and data.

DCA Strategy Report - April 2024

Report for:  April 2024 (inception: Jan 2024)

Returns This Month:

Return: -2.07% (-$187)
Added invested: $674

Dividends: $1.6

YTD Return:

YTD Return: 4.48% ($406)
YTD Invested: $2,443 YTD

Dividends: $5.8 YTD

Total Return:

Total Return: 15.86% ($1,214)
Total Invested: $7,654
Total Value: $8,868

Total Dividends: $5.8

Summary & Conclusion

Down month for everything including the S&P500 which had a downturn of -4.22%.

Made some update, past performance numbers are updated.

Added a savings account to this portfolio that has exposure in EU tech stocks as well as US tech stops. As of now it is the largest position in this strategy but this will soon fall in line with the other investments.

Monthly performance
Monthly returns of our DCA strategy compared to that of the S&P.

Better performance then the S&P this month. Mostly because our larger positions has more exposure in EU.

Our DCA Strategy

Best Month: 3,01%
Worst Month: -2,07%
Average: 1.12%

S&P 500

Best Month: 1.5%
Worst Month: 5.1%
Average: 1.37%

*Since inception Jan 2024

Monthly Compound Returns
Here we compound all the returns month over month. We do the same for the S&P 500 so we can see if we are outperforming or underperforming the S&P 500.

Result: Moving along with the S&P, closing the gap.

Overall idea / goal: Since most of our positions are in S&P ETFs this should stay similar, if not we need to take a closer look at which positions are not performing well.

Allocation - Investment Types

This Month
  • index / fund: 70%
  • REIT: 0%
  • Bonds: 7%
  • Crypto: 24%
  • Commodities 0%
Total Strategy:
  • index / fund: 90%
  • REIT: 0%
  • Bonds: 2.1%
  • Crypto: 7%
  • Commodities 0%

Allocation - Regions

This Month
  • USA: 54%
  • Asia: 9%
  • World: 24%
  • EU: 13%
Total Strategy
  • USA: 16%
  • Asia: 0.6%
  • World: 7%
  • EU: 76%

Conclusion & To Do

Allocation - types:
We have added REITs for next month, investment type allocations should become close to the goal.

Allocation - region:
Need top up the ASIA monthly, maybe look into another (non-japan) ETF

Positions

Portfolio Allocation

By Investment Type

  • Index ETFs / Mutual Funds 60%
    (broad market / diversified / dividends / retirement plan)
  • Bond ETFs 7%
    (broad market / diversified)
  • REITs 7%
    (broad market / diversified)
  • Cryptocurrency 25%
    (only main BTC & ETH)
  • Commodities 6%
    (base materials: gold, water, steel ..)

Region Exposure

USA (50%):
Most of the ETFs in this portfolio as well as the REITs and Bonds

Asia (20%):
Asian index ETFs

WORLD (20%):
Crypto and commodities

EU (10%):
Asian index ETFs

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How we invest

Dollar Cost Average (DCA)

Every month same amount regardless of price performance.

Diversify

Other then by sector we also diversify by region to minimize down turns.

Some Dividends

We will get some ETFs that provide good dividends, they tend to not always follow the market so we will limit those.

Low commission & fees

Try to pay as little commissions and fees

Buy & Hold

Hold forever, never sell. Its a saving strategy not meant for trading. Leave it alone for multiple years / forever.Â

Portfolio positions

The idea of this strategy is to cast a wide net over the whole market that will provide a steady growth long term.

We will Dollar Cost Average the same amount every month without stop-loss or take-profit.

Most of portfolios with this strategy should have similar stocks as mentioned in our reports. Most of these are pure Exchange Traded Funds (ETF) and will have similar replacement stocks in case you cant trade the ones mentioned.

The ETF / stock you select depend on you, your broker, restrictions or deals you can find (eg. specific ETFs in tax-deduction plan, lower trading commissions, …).

Cost of investment

By using zero-commission trades we can get into multiple different ETFs without having to worry about loosing to much money on trade commissions.

Furthermore we pick ETFs with low operation costs, which shouldn’t be a problem since they are pretty popular and wide range market ETFs that are mainly buy and hold and don’t require much trading from the managing firm.
Even a tiny fractions of a percent makes a big difference in the long run in terms of money leaving on management fees.

Total amount you DCA each month is irrelevant, just a minimum amount that you can easily set aside each month as you would for a retirement plan.
In time and/or whenever your monthly income from other streams is high enough you can gradually increase the monthly amount allocated for this strategy.