KN’s Reviews > Just Keep Buying: Proven Ways to Save Money and Build Your Wealth > Status Update
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Author’s algo:
* DCA beats buy at low, even with perfect prediction
* Switch to bond if stock falls by 15% or above in a given year
* Sequence of return risk
* Assume consistently buying, if you encounter +10% (annual return) followed by -10%, it’s worse than -10% followed by +10%
* this is math, this is luck
— Jan 31, 2026 09:40PM
* DCA beats buy at low, even with perfect prediction
* Switch to bond if stock falls by 15% or above in a given year
* Sequence of return risk
* Assume consistently buying, if you encounter +10% (annual return) followed by -10%, it’s worse than -10% followed by +10%
* this is math, this is luck
