Two-asset DCA plans for first-time contributors

New contributors often arrive with a list of five coins and a desire to “DCA into everything.” That list becomes five tiny orders, five fee hits, and a schedule that is hard to fund on a graduate salary.

Start with two

In flagship sessions we usually lock two assets with explicit percentage weights (for example 70/30). The PC calculator then shows month-by-month contributions without pretending the weights stay perfect as prices move — contribution weights are about cash split, not portfolio percentage targets.

Rebalancing is a separate decision

Dollar-cost averaging contributions and portfolio rebalancing are different jobs. Mixing them in one weekly ritual confuses the plan. If you want rebalancing rules, write them on a separate page of the plan with a longer review interval.

Capacity still rules

Even a clean two-asset plan fails if the total monthly contribution exceeds leftover income. We size the total first, then split. The calculator’s stretch scenario is optional motivation — the base scenario is the one that must fit the bank account.

Book the full session

If you are designing a first plan, the DCA planning session is the right format; reviews assume something already exists on paper.