In actual transactions, for small retail investors, I personally do not recommend mindless fixed investment. Fixed investment is actually more suitable for people with large capital, no financial pressure, and the investment funds do not affect their normal life at all.
At present, many big Vs will tell you not to be afraid of the fall, because the halving will bring a bull market next year, so just buy the spot and hold it. Then if the price falls, they will tell you to continue to buy the bottom, and if it continues to fall, they will continue to tell you to buy the bottom again. But what the big Vs will not tell you is that if you have a relatively small amount of funds and do not have unlimited bullets, you still have to control the risk and strive to make arrangements at the right time and in the right position.
So you have to think about whether you want to pursue capital efficiency or control risks. Turning small funds into big funds is more about the timing and cost of entry. The cost includes price cost and time cost. And in case of accidents, how to control risks to protect the principal.
You need to think about these things yourself. Don't just listen to the slogans of big Vs. Many big Vs have become unlimited bullets. Even if they bet 30,000 on the bitcoin spot, they will continue to add bullets when it falls, and the average price can be pulled down to below 20,000. Do you think your bullets are unlimited? Moreover, the funds of many small retail investors are still from some loans, some products sold, and hard-earned money? So, because the nature of the funds is different, you should be more cautious when participating in the market.