Monthly savings is an investment strategy where an individual purchases a fixed amount of an asset such as a cryptocurrency at regular intervals over a period of time.

The key principle of monthly savings is that by making consistent smaller purchases, investors may be able to buy more of an asset if prices fall and less of an asset if prices rise.

This helps to "average out the cost" of the acquired asset over time.

It also helps to reduce the significance of "timing the market" as investors are able to consistently accumulate an asset over time rather than acquiring a large lump sum at once.

Monthly investing (also known as dollar-cost averaging or recurring investing) is an excellent choice for you if:

• You want to start investing easily with a low barrier to entry.
• You believe in the long-term growth potential of your investment and want to build your holdings gradually.
• You prefer to remove emotions and market timing from your investment decisions.
• You value the “set it and forget it” simplicity of automated investing.

Monthly investing is designed for anyone who wants a disciplined, stress-free, and long-term approach to growing wealth, without needing to constantly follow the markets.

Getting started with monthly crypto investing on Kvarn X is quick and simple:

1. Log in to your Kvarn X account and select “Trade” from the menu.
2. Choose the cryptocurrency you want to invest in by selecting “Buy.”
3. From the top right corner, select “DCA (Monthly)”
4. Enter your preferred monthly amount.
5. Confirm by selecting “Confirm DCA” You’ll receive a confirmation of your successful setup.
6. You can view your active monthly investments anytime under Portfolio → DCA Orders

The crypto market is famously volatile, meaning prices can swing significantly up and down. Regular monthly investing (also known as Dollar-Cost Averaging, or DCA) is a highly effective strategy in this kind of environment.

By investing a fixed amount every month, you automatically:

• Buy more crypto when prices are low
• Buy less when prices are high

This approach smooths out your average purchase price over time and helps reduce the risk of investing a large sum at an unfavorable moment.

You can start monthly investing with any amount that fits your budget. The most important thing is to choose a sum that you can invest consistently without stress.

On Kvarn X, you can adjust your monthly investment amount at any time or even cancel your entire monthly investment plan directly from your account.

👉 Try our savings calculator to see how much you could grow your portfolio with an amount that works best for you.

Kvarn X offers the widest cryptocurrency selection in the Nordics—and you can use monthly investing with many of them.

Our platform includes over 400 different cryptocurrencies, giving you access to both established coins and emerging projects.

Kvarn X offers the lowest trading fees in the Nordics—also for monthly investing.

For each automatic monthly purchase, a standard, transparent trading fee is applied, just like with manual purchases. You’ll always see a clear fee breakdown before confirming your plan and can review it anytime in your trading history.

At Kvarn X, there are no hidden fees, spreads, or extra charges.

Yes. You can cancel your active monthly investment plan at any time. Once canceled, all future automatic purchases will stop.

The cryptocurrencies you’ve already accumulated through monthly investing will remain in your Kvarn X wallet. You can:

• Sell them back to euros whenever you want
• Withdraw funds to your bank account through the normal withdrawal process

You can always track and manage your monthly investments under My Portfolio → Monthly Investments.

Yes. When the price of a cryptocurrency drops, your fixed monthly investment automatically buys more of that asset. In other words, you benefit from downturns by effectively “buying low.”

This strategy can significantly reduce your average purchase price over time and increase your potential returns when the market recovers.

While you could buy crypto manually every month, Kvarn X’s automatic monthly investing offers clear advantages:

• Removes emotions: Automation prevents the stress and hesitation of trying to “time the market.” Purchases happen consistently according to your plan.
• Saves time and effort: No need to log in and place trades manually every month.
• Builds discipline: Makes investing a regular habit, which is key to long-term wealth growth.
• Convenience: The simplest way to start and maintain consistent crypto investing.