Binance founder Changpeng Zhao has urged cryptocurrency investors to learn dollar-cost averaging, describing disciplined investing as a foundation for building sustainable long-term wealth through consistency.

CZ shared the message in a post on X while responding to a discussion about whether investors should enter the market during bullish or bearish conditions. Rather than encouraging investors to predict market bottoms, he pointed to a structured investment approach as the more practical path.

According to CZ, learning basic financial concepts should come before chasing profits in the cryptocurrency market. His post said anyone unfamiliar with dollar-cost averaging should learn the term because investors cannot build wealth without understanding fundamental investment principles.

Dollar-cost averaging, often abbreviated as DCA, involves investing a fixed amount of money at regular intervals regardless of market conditions. The approach is common in traditional finance, including recurring contributions to retirement and brokerage accounts, and is often used to make investment behavior more systematic. In crypto, where prices can move sharply over short periods, the method is intended to reduce emotional decision-making, helping investors avoid chasing rallies or panic selling during volatile market cycles.

CZ Reiterates Support for Disciplined Investing

CZ’s latest comments are consistent with views he has expressed across previous market cycles. In earlier posts, he has repeatedly promoted dollar-cost averaging as a strategy that removes emotion from investing. Instead of waiting for ideal prices, investors using DCA commit a set amount of capital on a recurring schedule.

For example, an investor who allocates $500 every month to Bitcoin buys more coins when prices fall and fewer when prices rise. As a result, the average purchase price becomes less dependent on short-term market swings than it would be under an attempt to time individual entries.

CZ made similar comments in 2023 while discussing long-term investing. He said investors who hope to buy low and sell high must also be prepared to accumulate assets when markets remain weak. He also supported the strategy while responding to accumulation posts from Bitcoin advocate Michael Saylor, stating that “DCA works” and “DCA wins.”

Those remarks reinforced CZ’s preference for consistency over attempts to time volatile cryptocurrency markets. His latest message again places financial education and disciplined execution ahead of efforts to forecast market cycles.

However, dollar-cost averaging does not guarantee investment gains. The strategy may underperform a lump-sum investment during extended bull markets in which prices rise steadily from the beginning. It also cannot protect investors from choosing assets with poor long-term prospects.

The effectiveness of the approach still depends on asset selection, including whether the cryptocurrencies being purchased can maintain value and adoption over time. Poor asset selection can offset the benefits of regular investment, even when the investor follows a consistent schedule.

Maintaining discipline also remains a major challenge. Investors using dollar-cost averaging must continue following the same investment plan during both rallies and corrections without allowing emotions to dictate decisions. Fees, liquidity, custody choices, and tax treatment can also affect the outcome of recurring crypto purchases, making execution and record-keeping part of the broader risk management process.

CZ’s remarks reinforce his long-standing view that disciplined investing offers a stronger foundation than trying to predict market cycles. His message places financial education, consistency, and risk awareness at the center of long-term cryptocurrency investing.