Question 1

How does a crypto savings plan work?

Accepted Answer

You buy a fixed dollar amount on a schedule (dollar-cost averaging), smoothing out volatility. This projects the future value assuming an average annual return — future value = contribution × ((1+r)^n − 1)/r.

Question 2

Is a fixed return realistic for crypto?

Accepted Answer

No — crypto returns swing enormously year to year. Use the return field to explore scenarios (pessimistic, base, optimistic), not as a forecast. The value of DCA is discipline, not a guaranteed number.

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DCA は予測ではなく規律です