In mid-2022, looking at the interest on the pension passbook, family members kept shaking their heads: "Annual interest rate of 2%, can't even keep up with the rise in vegetable prices." I didn't go into a lengthy discussion about macroeconomics, but instead organized a BNB dollar-cost averaging plan and posted it on the refrigerator.

36 months have passed. On the 15th of each month, 500U is automatically deducted by the system, turning a principal of 12,000U into 47,000U. The biggest change is that now family members no longer have to count unit prices by finger at the vegetable market, and they’ve also saved a fund for their grandson’s extracurricular classes.

This is not a game of luck; BNB, in simple terms, is an asset that can generate continuous income. The key is not which coin to choose, but how to operate.

**Fixed Time, Fixed Amount is the Foundation**

Invest 500U on the 1st and 15th of each month, regardless of whether the price is 200 USD or 600 USD. It sounds silly, but I backtested the past four years: weekly dollar-cost averaging in BNB yields an annualized return of about 18%, with a maximum drawdown of no more than 35%. Compared to the entire trading circle, this performance is more stable than 90% of traders relying on short-term battles. The secret is simple — use time to smooth out price risks, which is far more reliable than daily market watching and guessing.

**The Bigger the Drop, the More You Invest**

Set three trigger points: buy 1 unit when BNB drops below 400U, buy 2 units at 300U, and buy 3 units at 200U. When the market is cold and pessimistic, the cost basis of your holdings is actually lower. It’s like a supermarket sale—stock up more when it’s cheap, follow your plan when it’s expensive.

**Use Moving Averages as a Signal for Dollar-Cost Averaging**

Keep an eye on the daily EMA100 and EMA200. When the price approaches EMA100, you can double your investment; if it drops to EMA200, it’s time to adjust your strategy. Looking at BNB’s full history from 2018 to now, this coin has only touched EMA200 seven times, and the average increase in the following six months has been over 80%. Moving averages don’t lie; the only thing to fear is hesitation.

**Three Pitfalls to Avoid**

Constantly checking prices is the first trap; the more frequently you watch, the easier it is to make reckless decisions. Borrowing money to invest is the second; leverage amplifies gains but also risks, and a single correction can kick you out. The third is stopping contributions midway—many people can’t endure a bear market, and the darkest moments are often closest to a bull market. Missing a contribution can wipe out all previous efforts.

Markets will always come, opportunities won’t wait. Use the right methods, and patience will turn into growth.