#2026年美国股市展望 Dollar-cost averaging into crypto assets relies on "nurturing" rather than "gambling"

People often ask me: "Can I still buy BNB now?" My answer is simple—don't treat BNB as a short-term chip to gamble with; instead, see it as an asset that requires long-term companionship. Rather than obsessing over a specific entry point, it's better to learn how to "nurture" it.

I have a vivid example nearby. A friend started dollar-cost averaging into BNB in 2022. In the beginning, he was also troubled by the price fluctuations—fearful of chasing highs when it rose, and wanting to cut losses when it fell. But after sticking with it for over half a year, he gradually realized—actually, the profits he made had little to do with perfectly timing the bottom, but came from those "rain or shine" repeated purchases. Now, his passive income covers his daily expenses, and he no longer needs to work a 9-to-5 job, allowing him to calmly plan for retirement.

I’ve summarized three proven methods based on practical experience, and you can choose according to your own pace:

**Plan 1: Fixed Time Dollar-Cost Averaging — The keyword is "Discipline"**

Choose a specific day weekly or monthly to invest a fixed amount, for example, consistently buy 500 USDT every week. It sounds simple, but the hardest part is actually "blocking out price noise"—not chasing after rises, not panicking during dips. Over time, you'll notice a magical phenomenon: buying less at high prices, more at low prices, and your average cost naturally evens out. This method is especially suitable for beginners because it completely eliminates decision anxiety.

**Plan 2: Layered Position Building — The keyword is "Contrarian Thinking"**

Set several price alerts in advance. For example, buy the first tranche when BNB drops to 300 USDT, add a second tranche at 200 USDT, and if it falls below 100 USDT, go all-in. The cleverness of this approach is turning every decline into a golden opportunity to "pick up chips," completely reversing your fear of volatility— the more it drops, the more confident you become, rather than panicking.

**Plan 3: Moving Average Reference — The keyword is "Stability"**

Use EMA100 (100-day Exponential Moving Average) as a medium-term reference. Usually, when BNB's price approaches this line, it often signals a cyclical bottom. If you want a more conservative long-term strategy, you can add EMA200 to judge the overall trend, which can effectively help avoid being misled by short-term fluctuations.

All three methods are not complicated but require strong execution. Dollar-cost averaging is essentially a contest of patience, not intelligence. Those investors who are admired in a bull market for their "good luck" are actually quietly sticking through the dark days of a bear market year after year.

If these ideas inspire you, consider saving this. I hope everyone who坚持定投 (persist in dollar-cost averaging) can, with time, harvest their own surprises and steadily receive genuine returns.