How it works
The aim is more BTC than a plain schedule would have bought. A suggested starting point, not a rule, is about 70% in a Hold Stack you keep and never trade, and about 30% in a Trading Stack. You choose what percentage of your Bitcoin, if any, goes in the Trading Stack, from your own goals and risk tolerance. The daily call works the same whatever split you pick. Action Today applies only to that sleeve: you hold it, and you sell only when Valuation is very overheated. You also keep buying every day. Very Cool: 3x Buy, about $75 if you buy $25 a day. Cool: 1x Buy. Normal: 1x Buy. Getting Warm: 0.5x Buy, about $12.50. Warm or Hot: 0x Buy, which buys no Bitcoin that day. On a 0x day the day's budget goes into the Skipped-Buy Reserve, and on a 0.5x day half of it does. Each day buys only its own multiple of your normal daily amount. The score is coins, not dollars.
About 70% Hold Stack, suggested start
About 30% Trading Stack, suggested start
Suggested start · About 70%
About 70% is the suggested share you keep and never trade. Action Today leaves this stack alone, in a bull Regime and in a bear Regime. A different share is fine.
This is the Bitcoin you intend to keep through the next cycle and the one after it. Sells happen in the other stack, and only when Valuation is very overheated. The Hold Stack is not a trade.
Suggested start · About 30%
About 30% is the suggested sleeve. You choose the percentage, or none. Action Today applies only to it. You hold this sleeve, and you sell only when Valuation is very overheated. The daily call works the same whatever split you pick. The Trading Stack sells in three steps (a third, then half of what's left, then the rest) and is fully out at the top. It buys back in equal daily amounts over about three months once Bitcoin reaches deep-value territory, or all at once if price rises 25%.
A hold on Action Today means leave this sleeve as it is. A sell means reduce it, and that only happens when Valuation is very overheated. A line that reads “HOLD Trading Stack” is about this sleeve. It leaves the Hold Stack where it is.
On your schedule
Buy every day, no matter what Action Today says. Very Cool: 3x Buy, about $75 if you buy $25 a day. Cool: 1x Buy. Normal: 1x Buy. Getting Warm: 0.5x Buy, about $12.50. Warm or Hot: 0x Buy, which buys no Bitcoin that day. On a 0x day the day's budget goes into the Skipped-Buy Reserve, and on a 0.5x day half of it does. Each day buys only its own multiple of your normal daily amount.
Buy every day and keep that rhythm. Place the buy even on a day when the Trading Stack is on hold. The $25 is an example of a normal daily buy. We do not know your income.
On a 0x day the day's budget goes into a cash reserve, and on a 0.5x day half of it does. The first Very Cool day spends that reserve in 90 equal daily buys. It never sells Bitcoin, and those buys go to the Hold Stack. Since 2014, Smart Daily Buys end with more Bitcoin than keeping the skipped cash. The percentage versus plain DCA is lower because that saved money counts as spent.
When a Very Cool buy zone starts in a cycle where the Trading Stack made no top sells and still holds, the daily call can show a Bonus Buy Zone. It is optional spare cash, never borrowed money, in 90 equal daily buys. Optional spare cash. Shown in the With Bonus Buys total. It fired in March 2020 and February 2026.
Optional spare cash. Shown in the With Bonus Buys total, not in the result above. A Bonus Buy Zone fired in March 2020 and on February 5, 2026, when a Very Cool buy zone opened in a cycle where the Trading Stack made no top sells and still held. The 2026 example puts 1 BTC of cash at the zone start, $63,495, into 90 equal daily buys through May 5, 2026. That buys 0.893 BTC at an average of $71,088. Per $1,000 added, that is 0.014 BTC. Use spare cash you already have. Never borrowed money. Spending extra cash through a long bear can deepen the dollar decline, and five bottoms is a small sample, not a guarantee. These buys never sell Bitcoin.
This is general information, not a plan for your account, and not financial advice. About 70% and about 30% are a suggested starting point, not a rule. You choose what percentage of your Bitcoin, if any, goes in the Trading Stack, from your own goals and risk tolerance. The daily call works the same whatever split you pick. If you do not want to sell any Bitcoin, skip the Trading Stack. The scheduled buy can still stand on its own.