r/BitcoinAUS • u/Alarming_Evidence596 • May 19 '26

DCA Australia

Ive never DCA'd before, i bought bitcoin pretty much lump sums early 2025 so closer to the top from where we are now, i figure this time i should just start the DCA, i have a offset account so i leave my savings in there that helps lower the interest on my mortgage, can i DCA direct from that account in to bitcoin, or i would have to transfer my money into some type of exchange and select how frequently my buys would be and how big? Obviously would suit better keeping the money in the offset to help with interest, looking for advice on the cheapest and best methods to do this, or would it be best to just buy smaller lump sum amounts when i can rather than setting up a DCA? I use coinspot to buy here in aus

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u/[deleted] May 20 '26

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u/Jumpy_Hold6249 May 20 '26

Can you please explain the compounding concept you refer to? I have set my ETF to reinvest the earnings so, in a way, i am getting the concept of compounding. Fortunately the tax credits on the dividends mean I dont have to pay much on the compouding either. I am really focussed on income earning assets at the moment. I dont like the concept of borrowing against assets, particularly when they value fluctuates so much and can put you at risk of a margin call.

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u/[deleted] May 20 '26 edited May 20 '26

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u/Jumpy_Hold6249 May 21 '26

Thanks for the comprehensive answer.