DCA Buy & Hold
Jan 2021 – Jul 2026 · OOS from Jan 1, 2026
Objective
Build a long-term portfolio through recurring contributions, always adding the current top-ranked name and never rotating out of prior purchases.
162.3%Total return (5.5 yr)
19.2%CAGR (5.5 yr)
18.6%Max drawdownVT 30.9% · SPY 25.3%
0.90Sharpe ratioSPY 0.79 · VT 0.64
1.60Sortino ratioSPY 1.25 · VT 0.99
MonthlyTrading frequency
Jan 1, 2026OOS start
$7K + $1.5K/moMin. capitalCovers $100/mo fees using 7.3% excess CAGR over VT (19.2% vs 11.9%), both annualized over the same 5.5-year backtest (Jan 2021 – Jul 2026). Based on backtest; not a guarantee.
Apply for membership · $100/mo
Past performance is not indicative of future results.
Style
DCA momentum accumulation
Cadence
Monthly
How it works
A dollar-cost-averaging strategy that periodically ranks a universe, deploys available cash into a single momentum pick, and holds positions without selling.
Risk character
Long-only equity exposure that can accumulate concentration over time. Because positions are not sold, drawdowns may persist until markets recover. Performance is sensitive to contribution timing as well as market path.
Asset classes
- Equity ETFs
- Gold (GLD) as an optional sleeve pick
- Uninvested cash between contribution dates
Benchmarks
- S&P 500 (SPY)
- Global equities (VT)
Apply for membership · $100/mo
Past performance is not indicative of future results.
Performance
Strategy versus benchmarks, scaled to initial capital at period start. OOS from Jan 1, 2026 (dashed line).
Drawdowns
Peak-to-trough decline from each series' equity curve.
Apply for membership · $100/mo
Past performance is not indicative of future results.