DCA Showdown: Gold vs Bitcoin
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DCA Showdown: Gold vs Bitcoin

Investing $100 a week. One asset is the tortoise, the other is the hare. Here is how they stack up for Kiwi investors in 2026.

Paystreak Team2026-01-198 min read

Timing the market is impossible. Catching the exact bottom of a gold dip or a Bitcoin crash is a game for fools. That is why smart investors use Dollar Cost Averaging (DCA).

The Power of Boring Investing

DCA is simple: You buy a fixed dollar amount of an asset at regular intervals (e.g., $100 every Tuesday), regardless of the price.

  • When price is high, you buy less.
  • When price is low, you buy more.
  • Over time, your average entry price beats most traders.

Gold: The Stability Play

Gold moves slowly. A DCA strategy into gold is about wealth preservation. In NZD terms, gold has averaged ~8-10% annual growth over the last 20 years.

Gold DCA Pros

Low Stress

You sleep well at night. Gold rarely drops 30% in a month. It tracks inflation perfectly.

DCA via ETFs (Tiger)DCA via PAXG (EasyCrypto)

Bitcoin: The Growth Rocket

Bitcoin is volatile. It can drop 70% in a year. But its long-term average growth has obliterated every other asset class on Earth.

Bitcoin DCA Pros

High Reward

DCA is essential for Bitcoin because the volatility is so high. Buying the dips automatically turns volatility into an advantage.

Start Auto-Buy (EasyCrypto)

The "Barbell" Strategy

New Zealand investors in 2026 shouldn't choose one or the other. Smart money uses a Barbell Strategy.

80%
Gold / Safety
20%
Bitcoin / Growth

This blend gives you the sleep-well stability of gold with the explosive upside of crypto. Even if Bitcoin goes to zero, your gold protects you. If Bitcoin goes to the moon, your portfolio 5x's.

How to Automate This in NZ

  1. EasyCrypto Auto-Buy: Set up a bank payment to EasyCrypto for $100/week. Set the split to buy $50 PAXG and $50 BTC automatically.
  2. Tiger Trade Auto-Invest: Use Tiger to auto-buy Gold ETFs (like GLD) every month.Open a Tiger account here.

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Wrap Up

Don't stress about the price ticker. Set up a DCA plan into both Gold and Bitcoin, walk away, and check it in 5 years. Your future self will thank you.

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