Putting in a set amount on a regular schedule instead of trying to pick the right day. When prices are lower your money buys more, when they're higher it buys less, and you stop needing to be right about timing. It's mostly a discipline tool, not a performance trick.
What It Actually Solves
The problem it addresses isn't really returns — it's behavior. Waiting for a good moment tends to mean waiting indefinitely, then acting on emotion at the worst possible time.
A schedule takes the decision away from how you feel this week. Same reason you work cattle on a plan instead of whenever the mood strikes.
Why Prices Moving Is Not a Crisis
If you're buying on a schedule, a dip isn't purely bad news — your next contribution buys at the lower price. That reframing is most of the psychological value.
It does not mean you can't lose money. You can. Buying steadily into something that keeps falling still leaves you down.
Where It Fits
Most people with money coming out of a paycheck are already doing this whether they call it that or not. The question is usually whether the schedule and the amount match what you're trying to build.
That part depends on your situation and is worth talking through.
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