I bought a large lump sum of IBIT in a registered account because I wanted Bitcoin exposure with tax advantages. I now realize there are trade-offs: I don’t hold the underlying asset directly, there are management fees, and I ended up buying near a market peak.

With the subsequent drawdown, roughly 25%–30% of my portfolio is now exposed to Bitcoin through an ETF. This would likely drift closer to ~15%–20% in a deeper correction unless I continue adding.

To manage this, I started DCAing into ETFs in January (~$2k/month).

My original plan was:

1. Continue DCA until the next Bitcoin halving (expected ~April 2028) or until BTC returns to ~$100k

2. Hold through the post-halving cycle and potentially sell ~16–18 months after the halving (around late 2029) (reversed DCA)

3. After BTC reaches $100k, redirect new contributions ($2k/month) into diversified equity ETFs (e.g., S&P 500 or similar)

4. Buying back by DCAing the amount i sold during next bear market.

Now I’m questioning the structure of this approach.

Main concerns:

I’m using IBIT instead of holding Bitcoin directly

From a long-term risk-adjusted perspective, broad equity ETFs may be more efficient (which I already hold)

At this point, I’m unsure whether I should:

Stick to the current cycle-based allocation plan in ETF

Shift toward diversified ETFs instead

Or simplify everything into a long-term buy-and-hold approach across both assets without timing cycles...

My intent with this structure was to build a long-term strategy: DCA during bear phases, rotate contributions into equities during expansions, and potentially realize gains ~16–18 months after halvings, then take the lump sum to DCA again in the next bear + my savings until I maxed out my registrated account.

repeating the cycle over time until retirement...

Does it make sense or am I absolutely nuts? I got no one to talk about this. My friends think I'm nuts which I probably am.

https://www.reddit.com/r/interestingasfuck/s/Os1oXr9RKZ

When FTX collapsed, I genuinely thought Bitcoin might be finished. Not just another bear market. I mean finished. Regulation, contagion, trust destroyed. I sold most of my position somewhere around $16k telling myself I was being rational. Six months later I was buying back above $25k.

The thing that bothers me most isn't the money. It's that I'd already lived through 2018. I knew what capitulation felt like. I'd read everything about not timing the market, about conviction, about long-term thinking. And when the moment came, none of it mattered. The fear was louder. What I've accepted since then is that understanding Bitcoin intellectually and actually holding through chaos are two completely different skills. One you develop reading. The other you only develop by getting it wrong a few times. I'm not sure conviction is something you build in advance. I think you find out if you have it when the moment is bad enough.Anyone else discover that knowing what to do and actually doing it are completely different things? Did the second cycle feel any easier?

Good afternoon everyone, I have an interesting question that I have been wrestling with over and over.

• How do I use Bitcoin in Canada without running into issues with Capital Gains taking a portion of my earnings.
• My struggle is that according to the capital gains laws, an purchase of goods or services with an asset that has appreciated is taxable. So technically you can buy bitcoin tax free through an exchange but as soon as you use it on anything in Canada you "should" be taxed.
• If you have any information or tips or stories please comment below, because I am super curious how people make it work.

As products are out and aging, where does everyone stand on a product that has help up over time and they would recommend? Trying to gather data and any input helps.

Hey everyone,

I've been building an Android app called Black Koi Wallet for people who want to learn Bitcoin self-custody but are nervous about making irreversible mistakes with real funds.

The idea is simple: you get a real wallet, real transactions, and real fees — but on a test network (Signet) where the coins have no value. A built-in faucet sends you practice sats automatically so you can start immediately. Nine structured tutorials walk you through everything from seed phrases to fee management to key backup. A three-tier glossary explains every Bitcoin term at the level that works for you.

Complete all the tutorials, pass a competency quiz, and you unlock real Bitcoin (mainnet) access within the same app.

I'm looking for 10+ beta testers to try it out over the next couple of weeks and give honest feedback. No Bitcoin experience required - actually, the less the better.

If you're interested, drop a comment or DM me and I'll send you the details.