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Most Investors Get DCA Wrong | Here's the Better Way — Transcript · YTtoTranscript

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Most Investors Get DCA Wrong | Here's the Better Way

TheRonnieVShow · 3,544 words · 18 min read · EN-ORIG

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Below is the complete, readable transcript of Most Investors Get DCA Wrong | Here's the Better Way by TheRonnieVShow on YouTube. Read the full text, copy any part you need, or generate a transcript for any video with our free tool.

Most investors dollar cost average completely blind. They invest the same amount every month no matter what the market is doing, which sounds smart until you realize there are times when stocks are significantly cheaper and opportunities are much better. Today I'm going to show you a very simple TradingView setup that helps you know

when to buy once per month, twice per month, or even three times per month. And I'll show you where I start trimming positions as well. This is one of the simplest investing systems I've ever created. Traditional DCA is great because it removes emotions, but the flaw is that it treats every month equally. A month where the market is

extremely overbought is not the same as a month where stocks are deeply oversold. [music] And yet most people buy the same amount regardless. That's where the framework comes in. We stay consistent, but we become [music] more aggressive when probabilities improve, when we get a better setup. The indicator I'm talking about today is the

Williams percentage range, created by Larry Williams. It's simply a measuring tool showing where price is trading within its recent [music] range. When it gets deeply oversold, that often signals fear. And fear, as we all know, creates opportunity. When it gets extremely overbought to the high side, that can signal risk is increasing. We're not trying to perfectly time tops

and bottoms. We're simply adjusting how aggressive we are with our dollar cost averaging or DCA. Before we get into how the system actually works, I'm going to show you actually how to set up your TradingView chart. So, you need a TradingView account. There are free accounts where you don't have to pay anything, and you can have one chart

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with one indicator, so you could still run this strategy without paying anything [music] to TradingView at all. So, come on over here to TradingView. We're going to be on a weekly time frame. That'll be right up here. Weekly time frame, and our second chart will be a monthly time frame. You can keep it

one chart, that's fine. So, we come up here to indicators and you're just going to simply type in William Williams percent range. And you're just going to click this one right here. It's no No one created it uh except for Larry Williams. Just Williams percent range. You're going to click that and it's

going to show up like this down here. But you want it to match like mine up here, right? Because this is very important for it to match exactly how mine is. So, on the weekly chart we'll just copy this one and put it over here on the monthly. We'll set up the weekly one

first. You're just going to double click it, right? Or you can come down here. You can open this up and you can simply select settings right here. Either way, whatever. So, it's going to [clears throat] average already the length at 14. For weekly, we're going to do 12, but for monthly, we're going to stick at 14,

okay? It's closed. You can keep with the chart, wait for time frame closes, or you can click this on or off. I'm going to leave it on. What this means is at the end of each week or the end of each month, it doesn't move. It doesn't close and show you where it

actually is until the end of the week or the end of the month. So, if you want that on, have it on. If you don't want to wait until the end of the month, then turn it off. Just understand that 3 days is not a full week. 3 days three of five days is like half, right? Two weeks of a

month is not full is not a full month. So, understand that if you have it checked off, that you are going to get that it's going to be moving a lot until we get closer to the end of the month or end of the week where we are more sure that it's going to be

right. So, I'm going to leave it on, right? So, uh I like mine to be uh the percent orange R. I have mine as uh just a neutral white and then the upper band here I put at zero. And I change it to a nice red. I change it to a solid. And then on the lower band I put it to

-100. >> [snorts] >> And I put that as green. And then we have a middle ground which is -50. But I'm going to change this. I'm going to make this yellow. And then I'm going to put -80. And then I like to get rid of the background. You can keep it, you can

not, whatever. And look, it looks exactly the same now besides this not being solid. There we go. Now it's solid. Visibility doesn't really matter. So there you go. This one looks exactly the same besides this -50, right? So all you do here is click this little plus right here, draw horizontal line. Comes up perfectly like

that. Again, just white this this line and then a dash or dotted and then you're simply going to put -50. And there you go. You have my exact setup and then what you're going to do is you're going to copy this. You can just go ahead and delete this one. You're going to put it over here

and the only thing you're going to do is change this to a 14. And there you go. That's it. That's the exact setup, okay? If you need to rewatch that back, rewatch it back. But now we can get into the next part of the video. I'm just going to delete those. That way, you know, we're just looking

at these two that I've already created. Now that we have all that set up, I'm going to briefly and quickly explain what this indicator does and how to read it. The red barrier is essentially your Red is bad, right? Red is bad meaning you're running into a barrier and you can't break through.

Red barrier you cannot break through to the upside and you were closer to overbought. Green barrier, you cannot break through to the downside and you are oversold. Okay? Markets tend to go up, as we all know, up into the right over years, decades, right? Markets continue higher. So, when we are up at the red barrier,

we can go ahead and assume that we eventually will run out of steam and correct. Red barrier and green barrier, this indicator is like a pendulum. It swings from one end to the other, side to side. It does this on indexes, it does this on stocks, it does this on anything that you can chart.

Anything, okay? When we are up at the red barrier, we will be up at the red barrier. Caveat, we will be up at the red barrier more than the green barrier. Why? Again, I just told you, markets tend to go up into the right over time. So, we are going to hang out above -50 more so than

below -50. And this is the whole point of this video and this is the whole point of this indicator. You are going to use this indicator to help you understand when you should be buying more, when you should be dollar cost averaging more than just your normal monthly $100, $50, $500, $1,000. When you should

be doing a 500 one time a month and then 500 two times a month and then 500 three times a month. It is very simple. You are going to sit there and say, "If we are above -20, >> [snorts] >> up here around the red barrier on the weekly Williams percentage range, this is where

on the indexes, I'm not sitting there on the indexes and saying, "Yeah, let me go out and buy everything." Right? Of course, there's still like semis have ran a lot here. But, of course, there's still other companies and sectors like fintech, finance, crypto, or cyber, and SaaS companies that are still pretty cheap,

right? But, when you're typically up here, you typically don't want to be sitting there and going burning up all your cash and going heavy. You want to be doing that down here. >> [snorts] >> Why? Well, you have this -80 to -100 range. When you get down to -80 to -100, you are seeing markets

correcting more than likely. And they've come down a lot. And again, we're looking at the S&P 500 index right here. This was 2022. This was in a bear market. So, in this bear market, right? We came down here. We could have bought a little bit. Then we rallied. Then we could have bought a little bit more

here. And then we rallied. And then we could have bought a little bit more here. And then we rallied. And then uh one more time here. And then [snorts] that was the actual bottom. So, instead of buying and DCAing here, here, here, here, here, here, here, here, and here, you should be sitting there saying, "I

want to be buying stocks here and doubling up my DCA. I want to be doubling up my DCA here, here, and here." And if you did that, your average would be right around there. And then you go back to normal DCAing. And then you go ahead and double it up again down here. And then you go back to

normal DCAing. And then you go ahead and double it up again down here. And we'll look at the monthly here in a minute, too. Maybe even tripling it up. And you will find that when you're doing this, you are buying at really attractive time. A really attractive time you are buying. Instead of just sitting there

saying, "Let me buy here. Let me buy here. Let me buy here. Let me buy here. Let me buy here. Let me double up here." Right? You understand that I shouldn't really be buying when we're way up here. Right? I should be buying when we're down here cuz you were getting a very nice

discount on the markets. Very nice discount on the markets. Okay? Very simple. So, when the S&P 500 basically on the weekly is between -80 and -100, that is the time that you should be using up the most of your cash position. When markets are up here towards the red barrier, I would say between -15 and 0,

that is when you should be trimming or just normal dollar cost averaging. And again, that is on the overall markets, the S&P 500. When you actually look at an Nvidia, you would be sitting here saying, "Okay, when we're when we're between -80 and -100, this is where I want to go ahead and

double up on my DCA." And again, you're doing this not just on Nvidia or Apple, you're doing this on companies you have high conviction in. This This This video is not about you It's not about picking stocks. You're going to do that or you're going to do the S&P 500 invest in the VOO every

single month. This is just helping you get a better dollar cost average, getting your cost basis down to the best possible area while you DCA, and making sure that when you're doubling down or tripling down on your DC dollar cost averaging, your DCA, you're doing it the right time, not the wrong time.

Not up here, but down here. So, on Nvidia, if you would have done this down here, down right So, right here and right here, your average would be right there, and now we're up here. Right? So, you're you're doing normal DCA, but then you double down here and here, so you brought down your average to about 180,

and now we're already up to 208. Well, that's just if you've been buying Nvidia this year. If you were bought buying during the big dip, right? During tariff-geddon, as I call it, you'd bought here, here, and here, average would have been right here, and now we're all the way up here. Right? So, this is what I'm talking

about. On the weekly, on the weekly, when you get the S&P 500 between -80 and -100, you should be starting to burn up your cash. When we're up here, especially for prolonged periods of time, up at the red barrier, not like immediately, right? Cuz it can stay up here for a while, you have to understand

that. I'm not saying trim 50% of your portfolio, I'm just saying when we're up here, take some gains, because you know we're going to come back down here. Look at this. 2026, 2025, 2023, 2022, 2022, 2022, uh 2020, 2020, 2019, what's that? 2019. You were always going to get opportunities. The markets are

always going to give you opportunities. So, yeah, when you're down here, you should be buying. When you're up here, you should be trimming or raising cash. >> [snorts] >> When you were down here on companies you really want to be invested in, like Nvidia, this is when you should be doubling up your dollar cost average.

Now, when you jump over into a monthly chart, right? When you jump over into a monthly chart, this is what you want to be doing. You want to be looking at this monthly chart. Again, this is a 14. And when you get below on the S&P 500, when you get below -50, this is when you should really be

looking at putting as much money as possible into the stock market. Look how many times we've been below negative 50. It's not that many times in the past 26 years. Look at this. In the past 26 years, let's count it. Past 26 years, we've been down here. dot-com 2008 2010 2011 2016 2019, 2020 with COVID, and then 2023

bear market. In 26 years, 1 2 3 4 5 6 7 8. Eight times in 26 years. So, you think when you get below negative 50 on the Williams percentage range on the overall markets, the S&P 500 that really tells you and tracks everything you should be going way harder into the stock market.

Notice. Notice. For for some uh comparison notice during 2023 uh and 2025, and then just this recent correction, we didn't get below negative 50. So, when we get below negative 50, stuff is really really bad. We are really really coming down, guys. So, when we're below negative 50, you want to be putting as much money into

the stock market as possible. When we get between negative 80 and negative 100, this is like peak peak fear, guys. Peak fear. We're talking 2000 dot-com bubble. We're talking 2008 housing crash. We're talking 2011, and then we're talking 2022 inflation going out of control and the bear market that we had. We're talking

four times in the last 26 years. You think you should be buying heavily during that point? Yes. You should be three x-ing DCA or more. Right? So, below -50 on the overall markets, yeah, you should be probably 3x-ing DCA already. And then if we get down here between -80 and -100, you do whatever you have to do.

You You get some overtime in. You do whatever you got to do to pump more money into the markets because it's not going to stay there forever. And you work You have a generational buying opportunity. What does that look like for individual stocks? For individual stocks, let's talk about Nvidia. So, Nvidia, we would be sitting here and

saying, "Okay. Um if I really like this company, let's just zoom in here to the past, you know, 7 years. So, if I really like this company in 2019, I should be 3x-ing my DCA. If I really like this company in 2022 during the bear market, I should be 3x-ing my DCA." Right here

during uh tariff-geddon, I should be 2x-ing my DCA under -50. Right here during uh 2015, I should be 2x-ing my DCA. Right? So, you can use the weekly, you can use the monthly, you can use both of them, but this will help you. It will help you understand when I should be buying, when I should be buying heavy,

and when I should be absolutely loading the boat on the stock market or my favorite investments or my favorite stocks and businesses I want to own for the next 2, 5, 10, 15, 20 years until the day I die. Right? That is why this is so important. And then again, you see it when we're up

here, we will eventually swing down. So, we can stay up here for a while, but this is where you sit there and you take some gains. Up here is whenever you say, "Okay, let's take some gains." Like up here is not like buy buy buy buy buy. Down here is buy buy buy buy buy. Buy

buy buy buy buy. Buy buy buy buy buy. buy. Right? So, and I have some visuals there for you guys as well. So, I know I just came out at you with a lot, but here is the entire summary to boil it all down in just a few sentences. In normal markets, we're buying once per

month. >> [music] >> Just dollar cost averaging in our favorite stocks or ETFs like VOO. When the weekly Williams percentage range is oversold, that is when we need to be buying twice per month. When the monthly is oversold on the Williams percentage range on indexes, we need to be buying three times per month.

When the monthly is oversold, but between -80 and -100, we should probably be buying four times per month and really trying to find ways to put more money into the market because like we talked about, 2001.com, housing crash, bear market [music] of 2022. Those are generational opportunities, and they've only been There's only been three of them in the

last 26 years. So, those are the times you should really be doing everything you can to get money in the market. And then when the monthly is oversold for individual stocks, again, we should be buying three times [music] per month our dollar cost average, which we, you know, like I said, if it's $500

per month we're going to put in the market, we need to bump that up to 500 or 1,000 on the weekly. And then if on the monthly is oversold, we need to bump that up to 1,500. And then if you're getting to that, you know, crazy time like 2000 the dot com [music] housing crash, uh bear market of

2022, you need to bump that up to four times, probably like $2,000 a month, right? And again, these are just examples, right? We all We're all running our own race. Don't worry about what everybody else is doing. Run your own race. And overbought equals slow down or trim. When we get up to the red

barrier in between -20 [music] and the red barrier at 100 or zero, we need to slow down. We need to understand and not get crazy FOMO and start chasing things. We need to just consistently continue to dollar cost average because the markets will give you opportunities time and time again. I just showed you

it on the charts that we get it time and time again. Don't FOMO, but also don't don't fear uncertainty and don't don't become a fudster. Whenever we do get to those bottoms, that means the market and the news is probably very very bad. You need to have that emotional grasp on your emotions and sit there and say,

"I'm going to continue to buy because I understand that things are bad right now, but where they're going to be in the next 1, 2, 5, 10 years, the markets are going to be a lot higher than where they are today." If you want more simple investing frameworks like this, you could subscribe to the channel, and do

me a favor, drop a like. And if you want deeper research tools for finding great companies, check out valuesnapshot.io. I'll leave that in [music] the link below, and that has all of our tools that I personally use for valuing companies and trying to find the actual companies that can 10x or 5x or that

Wall Street isn't paying attention to. And if you want to come invest with us, you can do that, and I'll leave that in the bio below as well. Come on over to the Hi-Five Collective Investing Community where we have a full Discord of like-minded investors. I hope this video gave you some value. Love you all.

Have a great day.