DCA

US Fund types — 3 terms people confuse: Mutual Fund = traditional pooled fund, priced once/day, often higher fees · Index Fund = tracks an index passively, no stock-picker, low cost · ETF = trades like a stock on exchange — most DCA investors use Index ETFs · Key number = Annual Expense Ratio: lower is better, it compounds against you every year

How to use: ① Pick from comparison table (beginners start VTI/SPY — broadest diversification + lowest fee) ② Set a fixed monthly budget, buy every month without timing the market — that is the core of DCA ③ Check the zone label: Deep Pullback = history says "add extra" better than normal ④ Don't sell on fear — every ETF has crashed and recovered; the ones who got hurt sold at the bottom
Honest disclaimer: All stats are from 10 years of a major US bull market — the future may not be as kind · Verify fees before buying · Not investment advice — this is a historical data tool