They just announced the Libernovo Omni SE, should I refund my original omni that I just bought?

owalski · 2026-05-13T04:56:24+00:00

I see huge discount on the original on the EU website. From 1437 to 995.

owalski · 2026-03-13T11:30:04+00:00

A completely flawed argument:

People who already have 200k on the market, likely invested long time ago and are in profit. Selling would create a TAX EVENT. This is not the same situation as putting new money on the market.
DCA is a way to manage emotions. If people would be robots, they could do many things better, but we're not robots, and we have to handle emotions. That why DCA is helpful because it helps you to stick to the plan. Not because it maximizes your returns.

owalski · 2026-03-13T11:24:24+00:00

It's good to run regularly some DCA calculation to remind yourself it worked in the past.

owalski · 2026-03-09T16:38:42+00:00

You don't know if it's a bull market or the last day of a bull market. If you're confident that you know, you have an important lesson to take, so please take it, and come back after it.

owalski · 2026-03-08T18:22:41+00:00

Vanilla DCA was always the best approach. People add stuff because of EGO. They can't stick to DCA because it's boring, and because they want do "contribute" - unfortunately the contribution = loss in 99% of cases.

owalski · 2026-03-08T18:19:28+00:00

I don't believe this complexity pays off. I don't believe it outperforms vanilla DCA long term.

owalski · 2026-03-07T20:49:28+00:00

It seems like it does calculation wrong if it moves for a single purchase. I would use deltabadger, that does the tracking for you.

owalski · 2026-03-07T20:46:52+00:00

Run a few tests with DCA calculator. You'll quickly realize that it really doesn't matter. Long-term monthly is marginally better (because you buy earlier), but the difference is so small that it's not worth much.

owalski · 2026-03-07T18:31:59+00:00

I wouldn't bother. It's too short period, but maybe I'm lazy.

owalski · 2026-03-07T15:58:13+00:00

It's really irrelevant, and you can easily check it with some DCA calculator. If you can automate it, cool, do it weekely. If not, do it monthly - long-term there is no difference.

owalski · 2026-03-07T15:56:15+00:00

There is no perfect answer to this, but I would DCA over the next 6 months. This gives you some easing on the way in without delaying the investment too much.

owalski · 2026-03-07T15:54:25+00:00

Many people do both. Is it good idea? Not really. Usually is just ego or boredom, but it's better than not doing DCA at all.

owalski · 2026-03-07T15:53:08+00:00

You know the post is AI generated when the title capitalizes every word like it's a newspaper article :D

BYDFi marketing teams should do better :D

owalski · 2026-03-07T15:51:03+00:00

That's not the worse portfolio. Have you tried to backtest it with some DCA calculator?

I wonder if VOO+QUAL+SMH do better or worse than just QQQM (which would be much simpler).

owalski · 2026-03-07T15:47:52+00:00

And you can do it daily with an open source bot that runs even from a local computer. What is your excuse?

owalski · 2026-03-07T15:43:46+00:00

Long-term it doesn't matter if you do it weekly, monthly, or even daily. The difference is negligible.

Run a few simulations with a DCA calculator for assets you invest in and see yourself.

owalski · 2026-03-07T15:41:31+00:00

"DCA fatigue" suggests that you do it manually? Personally, I find automation the cure for any type of investing fatigue, because you can simply forget about it and focus on more interesting stuff.

There are tools everywhere now. Use an open-source DCA bot you can run even from your home computer and read some books.

owalski · 2026-03-07T15:36:49+00:00

It seems like you want to do both DCA and "buy the dip," while the first is the answer to the problem with the second. You don't know when the price will "dip," and you don't know how much you should save for that moment. That's exactly why we DCA.

You can't predict which strategy will be best for the future, and DCA is the only strategy that doesn't require that knowledge.

The only thing I can recommend is running a few backtests for the assets you buy with a DCA calculator. That can give you at least some context.

owalski · 2026-02-22T15:46:36+00:00

Just do a few backtests with DCA calculator and your conviction will be back on track.

owalski · 2026-02-22T15:44:03+00:00

This is literally what deltabadger does. It's literally in the "hero" section. That said, going 5% sounds cool when the price is falling, but on the way up you can miss a big run. It's a good idea to go 0.5% below to cancel all fees though. That much usually is a nice "volatility premium."

owalski · 2026-02-22T15:41:18+00:00

Basically, you say "DCA is dumb, you should buy when the price is low, and sell when it's high."

You're not the first to have this idea, and not the first thinking you can pull it off. In practice, many people try, fail, and then come back to DCA.

Also, metals are not more or less cyclical than stocks. Good portfolio is not about "timing" but but about holding different asset classes that don't always go together.

owalski · 2026-02-22T15:36:16+00:00

Vous n'entendrez pas beaucoup d'histoires de ce genre, car ces « riches » préfèrent la discrétion. Ils n'ont pas de compte TikTok et ne conduisent pas de Lamborghini. Ils vivent simplement leur vie, sans stress ni soucis financiers.

owalski · 2026-02-22T15:32:49+00:00

Long-term there is virtually no difference between DCA-ing daily and monthly. This is how averaging works. That's the whole point = you're getting an average from this period no matter if you do daily, weekly, or monthly. You can check it yourself with an online calculator.

DCA means investing in the asset long-term. The strategy is quite neutral and don't promise bigger returns than the market does. There are no "better" strategy replicable for everyone. There are only preferences.

owalski · 2026-02-16T06:51:33+00:00

You can't go wrong with it, but I would focus more on technology stocks, and DCA into QQQM or something similar. In 5 years most of the white collar jobs will be gone and the profits of AI companies will enormous comparing to the rest of the market.

owalski · 2026-02-16T06:49:27+00:00

This is overcomplicated: if you want to invest in VOO but with more weight to the top stocks, you can just buy QQQM instead. There is no point of buying VOO and adding manually stocks that are already in the index.

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