Bitcoin

Disclaimer: Not financial advice. Cryptocurrency is highly volatile and you can lose money. Only invest what you can afford to lose. This is my personal experiment.

My Bitcoin DCA Experiment

I’ve been running real-world passive income and growth tests here at Mars Money Lab for a while now:

• £40/week into Tesla stock
• Building an ETF dividend portfolio
• Earning cashback with the Plutus rewards card
• Matched betting profits via Outplayed
• £50/month into NS&I Premium Bonds

Bitcoin feels like the natural next addition to the lineup as the original cryptocurrency with the strongest scarcity story in the space and growing mainstream adoption from institutions, ETFs, corporations, and even nation-states.

This page follows my simple, low-effort Bitcoin DCA experiment: buying £10 of Bitcoin every week automatically via Dollar-Cost Averaging (DCA), turning small consistent investments into a growing stack over time. The experiment officially started in late December 2025. I made my first buy of approximately £15 on December 29, 2025, to kick things off. From now on, it will be £10 per week (about £520 per year).

The core strategy is pure DCA: buy the same pound amount every week regardless of price. This removes emotion and lets you accumulate more when prices dip. That said, if we get any significant dips and I have spare cash available, I’ll opportunistically add larger lump-sum buys to take advantage of the lower prices.

I’ll keep the coins on eToro until the total Bitcoin stack reaches a larger amount (to minimise withdrawal and network fees), then transfer everything to my Ledger hardware wallet for cold storage security.

Keep Your Bitcoin Safe with Ledger

Holding Bitcoin long-term is great, but keeping it secure is essential. I use a Ledger hardware wallet to move my stack off the exchange and into cold storage — it’s the safest way to protect your digital assets from hacks or platform risks.

Grab a Ledger via my referral link and we both earn Bitcoin rewards:

Offers may vary during promotions — check the latest on Ledger’s site.

I’m also running an identical £10/week DCA experiment for Ethereum.

How It Works

• Sign Up: Use a trusted, FCA-regulated platform (I use eToro).
• Automate: Set recurring weekly £10 Bitcoin buys.
• Accumulate: Let the stack grow automatically.
• Secure: Batch transfers to eToro Money wallet → cold storage Ledger when the amount justifies the fees.

Safety / Risk Rating

Bitcoin Holding: ★★★☆☆ (Moderate-high risk)
Bitcoin is highly volatile. Short-term price swings of 30–50% (or more) are common, even within bull markets. No dividends or native yield; returns depend entirely on capital appreciation.

Higher risk than traditional stocks or ETFs, but Bitcoin has the lowest relative volatility among major cryptocurrencies. Long-term (5–10+ years) holders have historically been rewarded due to Bitcoin’s fixed supply and growing adoption. I only invest money I can afford to leave untouched through bear markets.

Pros and Cons

Pros:

• Strongest long-term scarcity story in crypto (halvings + 21M cap)
• Full self-custody possible with hardware wallet
• Extremely low maintenance once automated

Cons:

• Regulatory or macroeconomic risks
• High volatility: heavy declines during bear markets
• No regular income (pure price appreciation play)

Try It Yourself

I run both my Tesla stock and this Bitcoin DCA experiment on eToro — FCA-regulated, beginner-friendly, supports recurring buys for crypto, and lets you own real Bitcoin (with transfers to external wallets).

Once your stack grows, move it to a Ledger hardware wallet for proper long-term security, just like I plan to do.

Latest Updates

Experiment started late December 2025.

Current value: Check the latest portfolio values on the Experiments-dashboard

Future updates will include:

• Buy & withdrawal screenshots
• Total invested vs current value
• Bitcoin accumulated & average cost
• Market thoughts

Let’s see where £10 a week takes us. 🚀